| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HALLIER REED LLC3 Filed as: HALLIER REED, LLC | 7111 WEST 151ST, SUITE 232 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86K | $0 | $86K | 14.91% |
| HALLIER REED LLC3 Filed as: HALLIER REED, LLC | 7111 WEST 151ST, SUITE 232 OVERLAND PARK, KS 66223 | DELTA DENTAL OF KANSAS. INC. | $15K | $0 | $15K | 5.03% |
| HALLIER REED LLC3 Filed as: HALLIER REED, LLC | 7111 WEST 151ST, SUITE 232 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $0 | $21K | 8.00% |
| KEITH OLBERDING, INC3 Filed as: KEITH C OLBERDING, INC. | UNKNOWN SENECA, KS 66538 | ASSURITY LIFE INSURANCE COMPANY | $45K | $0 | $45K | 60.74% |
| DANE ALAN PAPE3 | UNKNOWN SENECA, KS 66538 | ASSURITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.96% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | AMERITAS LIFE INSURANCE CORP. | $6K | $0 | $6K | 10.00% |
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 | 602 | 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) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS. INC. | 492 | $299K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 935 | $62K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 602 | $575K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 602 | $575K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 602 | $575K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 980 | $912K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 980 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.