| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEREN FINANCIAL GROUP DBA GROUP BEN3 Filed as: DEREN FINANCIAL GROUP DBA | GROUP BENEFIT SERVICES 1736 E. SUNSHINE, SUITE 200 SPRINGFIELD, MO 65804 | RELIANCE STANDARD | $817 | — | $817 | 5.00% |
| DEREN FINANCIAL GROUP DBA GROUP BEN3 Filed as: DEREN FINANCIAL GROUP DBA | GROUP BENEFIT SERVICES 1736 E. SUNSHINE, SUITE 200 SPRINGFIELD, MO 65804 | RELIANCE STANDARD | $484 | — | $484 | 5.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 1736 E. SUNSHINE, SUITE 200 SPRINGFIELD, MO 65804 | SIRIUS AMERICA INSURANCE COMPANY | $11K | $24K | $34K | — |
| MICHAEL T. LEAKE3 | 3033 NW 63RD ST., SUITE 208 EAST OKLAHOMA CITY, OK 73116 | SIRIUS AMERICA INSURANCE COMPANY | $21K | — | $21K | — |
| AHA/FIRST HEALTH3 Filed as: AHA / FIRST HEALTH | 9229 WARD PARKWAY, SUITE 300 KANSAS CITY, MO 64114 | SIRIUS AMERICA INSURANCE COMPANY | — | $6K | $6K | — |
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 | 86 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIRIUS AMERICA INSURANCE COMPANY | 83 | $0 |
| Dental | SIRIUS AMERICA INSURANCE COMPANY | 83 | $0 |
| Vision | SIRIUS AMERICA INSURANCE COMPANY | 83 | $0 |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD | 86 | $16K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 83 | $10K |
| Prescription drug | SIRIUS AMERICA INSURANCE COMPANY | 83 | $0 |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 83 | $0 |
| Other | RELIANCE STANDARD | 86 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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.
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.