| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOVARD INSURANCE GROUP3 | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | $57K | — | $57K | 10.00% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INS GROUP DBA BOVARD INS | 6950 SQUIBB ROAD STE 200 MISSION, KS 66202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.02% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INS GROUP DBA BOVARD INS | 6950 SQUIBB ROAD STE 200 MISSION, KS 66202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | P.O. BOX 25946 OVERLAND PARK, KS 66225 | $333K |
| AETNA PPO EIN 06-6033492 NONE | Claims processing; Other services Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $137K |
| MULTIPLAN EIN 13-3068979 NONE | Other services; Claims processing; Plan Administrator Service code 12 | 115 FIFTH AVENUE NEW YORK, NY 10003 | $33K |
| SUNSTAR INSURANCE GROUP EIN 46-0800597 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | 6950 SQUIBB STE 200 MISSION, KS 66202 | $21K |
| KCOE ISOM, LLP EIN 48-0567703 NONE | Accounting (including auditing) Service code 10 | 3030 CORTLAND CIRCLE SALINA, KS 67401 | $12K |
| CLEAR HEALTH STRATEGIES, LLC EIN 27-1374374 NONE | Claims processing; Plan Administrator; Other services Service code 12 | PO BOX 366667 BONITA SPRINGS, FL 34136 | $6K |
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 | 704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 861 | $431K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 479 | $201K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 861 | $431K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 704 | $611K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 861 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.