| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER AGENCY LLC | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.81% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.16% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER AGENCY LLC | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $11K | 23.08% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 10.50% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER AGENCY LLC | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $853 | $6K | 23.29% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER AGENCY LLC | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $565 | $3K | 18.31% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER AGENCY LLC | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $374 | $2K | 18.59% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 10.00% |
| ELIZABETH SCHENK3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 26.00% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER AGENCY LLC | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $216 | $2K | 23.10% |
| COUCH & HEPLER LLC3 Filed as: COUCH & HEPLER AGENCY LLC | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $390 | $63 | $453 | 23.27% |
| BENETEK CORPORATION3 | 4725 SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $78 | $78 | 4.01% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $101K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $101K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 287 | $49K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 22 | $7K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 287 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.