| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFB GROUP SERVICES LLC3 | 4801 W 110TH ST. STE 200 OVERLAND PARK, KS 66211 | HUMANA INC. | $112K | — | $112K | 3.45% |
| MARNIE S. CLAWSON3 | P.O.BOX 6631 LEAWOOD, KS 66206 | HUMANA INC. | -$32 | — | -$32 | -0.00% |
| TFB GROUP SERVICES LLC3 | CORPORATE OFFICE 4801 W 110TH ST STE 200 OVERLAND PARK, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | — | $23K | 12.24% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST BUFFALO, NY 14204 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INC. | 227 | $3.3M |
| Dental | HUMANA INC. | 227 | $3.3M |
| Vision | HUMANA INC. | 227 | $3.3M |
| Life insurance(2 contracts, 2 carriers) | HUMANA INC. | 372 | $3.5M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 372 | $191K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 372 | $191K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 372 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.