| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RPS BENEFITS INC3 | 5251 W 116TH PLACE SUITE 300 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $11 | $7K | 3.55% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.03% |
| RHONDA S PAPE3 | 115 E PLATT ST MAGUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.47% |
| DONALD A DOHERTY3 | 1704 HICKORY LANE FORT SCOTT, KS 66701 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.44% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 E. PLATT ST. MAQUOKETA, IA 66701 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.78% |
| COLE PAPE3 | 115 E. PLATT ST. MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $818 | — | $818 | 1.33% |
| JEREMY BOWMAN3 | 1110 BURKE ST FORT SCOTT, KS 66701 | TRANSAMERICA LIFE INSURANCE COMPANY | $330 | — | $330 | 0.54% |
| CLAYTON FARRELL3 Filed as: CLAYTON D FARRELL | 4323 COUNTRY BRIDGE ROAD LAKELAND, TN 38002 | TRANSAMERICA LIFE INSURANCE COMPANY | $54 | — | $54 | 0.09% |
| ENROLLMENT FIRST INC3 | 237 GORE RD KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE COMPANY | $53 | — | $53 | 0.09% |
| ALAN PAPE3 Filed as: ALAN M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $30 | — | $30 | 0.05% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS BY DESIGN INC | 5251 W. 116TH PLACE SUITE 300 LEAWOOD, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $189K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $189K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $22K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.