| 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 | $9K | — | $9K | 10.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1K | $12K | 22.81% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 10.50% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $754 | $5K | 21.59% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $901 | $901 | 3.70% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $447 | $2K | 15.45% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 8.20% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $327 | $2K | 14.17% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $839 | $839 | 7.49% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 19.41% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $231 | $1K | 17.91% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $385 | $60 | $445 | 21.18% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $77 | $77 | 3.66% |
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 | 255 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 148 | $86K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 148 | $86K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $51K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 82 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 22 | $8K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.