| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INSURANCE MARKETING BROKER3 | UKNOWN UNKNOWN, KS 00000 | DELTA DENTAL INSURANCE COMPANY | $62K | $0 | $62K | 9.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | UNKNOWN UNKNOWN, VA 00000 | DELTA DENTAL INSURANCE COMPANY | $13K | $0 | $13K | 2.04% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET OVERLAND PARK, KS 66207 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $0 | $42K | 13.50% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 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 | $775 | $775 | 0.25% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET STE 310 OVERLAND PARK, KS 66207 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 13.50% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 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 | $631 | $631 | 0.25% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET STE 310 OVERLAND PARK, KS 66207 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 13.50% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 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 | $509 | $509 | 0.25% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND, KS 662074037 | VISION SERVICE PLAN | $9K | $0 | $9K | 9.37% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET STE 310 OVERLAND PARK, KS 66207 | UNUM INSURANCE COMPANY | $15K | $0 | $15K | 19.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $810 | $0 | $810 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $0 | $101 | $101 | 0.12% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 107TH STREET STE 310 OVERLAND PARK, KS 66207 | UNUM INSURANCE COMPANY | $12K | $0 | $12K | 19.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $613 | $0 | $613 | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERON ST ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $0 | $76 | $76 | 0.12% |
| NATIONAL INS MARKETING BROKERS3 | 4551 W 170TH STREET STE 310 OVERLAND PARK, KS 66207 | UNUM INSURANCE COMPANY | $11K | $0 | $11K | 19.00% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT SOLUTIONS INC | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $559 | $0 | $559 | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $0 | $70 | $70 | 0.13% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STE 310 OVERLAND PARK, KS 66207 | TRUSTMARK INSURANCE COMPANY | $41K | $0 | $41K | 91.09% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET STE 310 OVERLAND PARK, KS 66207 | METLIFE LEGAL PLANS OF FLORIDA | $2K | $0 | $2K | 8.06% |
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 | 1,749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,385 | $658K |
| Vision | VISION SERVICE PLAN | 931 | $99K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,609 | $355K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,843 | $203K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $252K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,609 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,385 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.