| 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 | $31K | $62K | 1.15% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | DELTA DENTAL OF KANSAS, INC. | $6K | — | $6K | 2.06% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $8K | $30K | 11.54% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W. ERIE STREET, SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.64% |
| DISABILITY INCOME CONCEPTS LLC3 | 1201 NE LONG RIDGE ROAD LEES SUMMIT, MO 64064 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.01% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | VISION SERVICE PLAN | $3K | — | $3K | 5.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $272 | — | $272 | 0.50% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 50.00% |
| DISABILITY INCOME CONCEPTS LLC3 | 1201 NE LONG RIDGE ROAD LEES SUMMIT, MO 64064 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATES, INC. | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | PROSPERITY LIFE GROUP | $463 | — | $463 | 10.40% |
| DISABILITY INCOME CONCEPTS LLC3 Filed as: DISABILITY INCOME CONCEPTS, LLC | 1201 NE LONG RIDGE ROAD LEES SUMMIT, MO 64064 | PROSPERITY LIFE GROUP | $344 | — | $344 | 7.73% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | PROSPERITY LIFE GROUP | $201 | — | $201 | 4.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 8605 EMERSON ROAD PLATTSMOUTH, NE 68048 | PROSPERITY LIFE GROUP | $42 | — | $42 | 0.94% |
| SHAWN KEELER3 | 12373 SLAYTON PAPILLION, NE 68046 | PROSPERITY LIFE GROUP | $42 | — | $42 | 0.94% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 695 | $5.4M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 351 | $271K |
| Vision | VISION SERVICE PLAN | 280 | $54K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $258K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $82K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 88 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.