| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMH3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $101 | $101 | 0.04% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $17 | $17 | 0.01% |
| ECK INC3 Filed as: ECK AGENCY | PO BOX 377 ATTICA, KS 67009 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $44K | — | $44K | 27.16% |
| LOUIS BARBER3 | 8592 CORDES CIRCLE GERMANTOWN, TN 38139 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.48% |
| WILDWOOD INSURANCE3 | 2474 TAYLOR RD WILDWOOD, MO 63040 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $174 | — | $174 | 0.11% |
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 | 566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 945 | $4.7M |
| Vision | VISION SERVICE PLAN | 417 | $106K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 566 | $285K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 566 | $285K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 945 | $4.6M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 566 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 945 | — |
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.