| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | HCC LIFE INSURANCE COMPANY | $30 | $52K | $52K | 14.87% |
| AUXIANT3 | 3002 PERRY STREET MADISON, WI 53713 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 2.12% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 5.82% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.00% |
| BHERD3 | 1956 PARK AVENUE DES MOINES, IA 50315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $589 | $4K | 18.00% |
| BHERD3 | 1956 PARK AVENUE DES MOINES, IA 50315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $981 | $981 | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BHERD3 | 1956 PARK AVENUE DES MOINES, IA 50315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $967 | $967 | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $461 | $3K | 18.00% |
| BHERD3 | 1956 PARK AVENUE DES MOINES, IA 50315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $769 | $769 | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $321 | $2K | 23.00% |
| BHERD3 | 1956 PARK AVENUE DES MOINES, IA 50315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $535 | $535 | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $298 | $2K | 23.01% |
| BHERD3 | 1956 PARK AVENUE DES MOINES, IA 50315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $496 | $496 | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $281 | $2K | 23.01% |
| BHERD3 | 1956 PARK AVENUE DES MOINES, IA 50315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $468 | $468 | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $340 | $102 | $442 | 12.98% |
| BHERD3 | 1956 PARK AVENUE DES MOINES, IA 50315 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $170 | $170 | 4.99% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 160 | $75K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 31 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $15K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 145 | $347K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.