| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109K | $9K | $118K | 14.62% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.18% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86K | $11K | $97K | 17.00% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85K | $11K | $97K | 17.00% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND, KS 662074037 | VISION SERVICE PLAN | $23K | $0 | $23K | 9.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $2K | $0 | $2K | 0.80% |
| NATIONAL INSURANCE MARKETING BROKER3 | — | DELTA DENTAL INSURANCE COMPANY | $177K | $0 | $177K | 95.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $9K | $0 | $9K | 5.00% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | UNUM INSURANCE COMPANY | $31K | $2K | $33K | 20.19% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $0 | $144 | $144 | 0.09% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | UNUM INSURANCE COMPANY | $29K | $3K | $32K | 20.78% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $0 | $225 | $225 | 0.15% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | UNUM INSURANCE COMPANY | $26K | $2K | $28K | 20.73% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $0 | $191 | $191 | 0.14% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 4551 W. 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | $0 | $7K | 8.80% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST SUITE 310 OVERLAND PARK, KS 66207 | TRUSTMARK INSURANCE COMPANY | $34K | $0 | $34K | 46.31% |
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 | 3,475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 5,323 | $187K |
| Vision | VISION SERVICE PLAN | 2,350 | $241K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,470 | $878K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,468 | $572K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,211 | $569K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,470 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,323 | — |
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.