| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 E 104TH ST SUITE 800 KANSAS CITY, MO 64131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $63K | — | $63K | 17.68% |
| ROBERT E. MILLER INSURANCE AGENCY Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 E 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTATOR | Contract Administrator Service code 13 | 300 CORPORATE PKWY STE 100S BUFFALO, NY 14226 | $474K |
| DELTA DENTAL EIN 48-0793267 CONTRACT ADMINISTATOR | Contract Administrator Service code 13 | 1619 N. WATERFRONT PARKWAY P.O. BOX 789769 WITCHITA, KS 672789769 | $216K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 513 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 534 | $75K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,275 | $356K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,275 | $356K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,275 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,275 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.