| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $31K | $196 | $31K | 0.79% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 2.36% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 8.45% |
| DISABILITY INCOME CONCEPTS LLC3 | 1201 NE LONG RIDGE ROAD LEES SUMMIT, MO 64064 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.64% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 16.34% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 508 | $4.0M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 268 | $218K |
| Vision | VISION SERVICE PLAN | 223 | $45K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 73 | $200K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $75K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.