| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KS AUTO DLRS ASSN3 | 731 S KANSAS AVE TOPEKA, KS 66603 | AMERICAN FIDELITY ASSURANCE CO | $0 | $2K | $2K | — |
| DEREN FINANCIAL GROUP DBA GROUP BEN3 | 1736 E SUNSHINE ST SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INS CO | $5K | $305 | $6K | — |
| DEREN FINANCIAL GROUP DBA GROUP BEN3 | 1736 E SUNSHINE ST SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INS CO | $8K | $211 | $8K | — |
No Schedule C service providers reported on this filing.
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERICAN FIDELITY ASSURANCE CO | 55 | $0 |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INS CO | 297 | $0 |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE CO | 297 | $0 |
| Long-term disability | AMERICAN FIDELITY ASSURANCE CO | 55 | $0 |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD LIFE INS CO | 17 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.