| 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 | $8K | — | $8K | 9.69% |
| 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 | $9K | $1K | $10K | 22.41% |
| 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 | $563 | $6K | 22.22% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $321 | $2K | 17.41% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 10.00% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $247 | $2K | 17.38% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 10.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 26.00% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $173 | $2K | 22.18% |
| COUCH & HEPLER LLC3 | 6750 W 75TH STREET SUITE 1A OVERLAND PARK, KS 66204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $427 | $46 | $473 | 22.13% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $85 | $85 | 3.98% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $87K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $87K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $45K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 73 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 21 | $8K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.