| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 NORTH HAYDEN ROAD, SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $39K | $39K | 5.95% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 21.82% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 21.35% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.38% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | VISION SERVICE PLAN | $932 | — | $932 | 6.17% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $76 | — | $76 | 0.50% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $482 | $2K | 21.02% |
| ROBERT E. MILLER INSURANCE AGENCY5 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $96 | $96 | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 MEDICAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $86K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $10K |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 102 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $41K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 119 | $654K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.