| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATHAN J. FISER3 Filed as: NATHAN J. FISER, CFP | 8760 MONROVIA STREET LENEXA, KS 66215 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $4K | $2K | $7K | 6.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 8.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $11K | $600 | $12K | 44.91% |
| TRUSS, LLC3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.92% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 203 | $52K |
| Life insurance | STANDARD INSURANCE COMPANY | 295 | $108K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $221K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $221K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 295 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.