| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $760 | $4K | 12.14% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $104 | $104 | 0.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.01% |
| GLEN E. FISHER3 | 8621 EAST 21ST STREET NORTH SUITE 150 WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $999 | $252 | $1K | 6.42% |
| MATTHEW T. MELTON3 | 5251 WEST 116TH PLACE, SUITE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $999 | $252 | $1K | 6.42% |
| RPS BENEFITS INC3 Filed as: RPS FINANCIAL GROUP, INC. | 5251 WEST 116TH PLACE, SUITE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $300 | $36 | $336 | 1.73% |
| JAROD RUCKER3 | 8621 EAST 21ST STREET NORTH SUITE 150 WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $100 | $36 | $136 | 0.70% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $34K |
| Life insurance | NORTHWESTERN MUTUAL | 284 | $19K |
| Long-term disability | NORTHWESTERN MUTUAL | 284 | $19K |
| Other | NORTHWESTERN MUTUAL | 284 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.