| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGCY INC | 903 E 104TH ST, STE 800 KANSAS CITY, MO 64131 | UNITEDHEALTHCARE INSURANCE COMPANY | $111K | $0 | $111K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4630 N LOOP 1604 W SAN ANTONIO, TX 78249 | UNITEDHEALTHCARE INSURANCE COMPANY | -$4 | $0 | -$4 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC- DALLAS | 8144 WALNUT HILL LN, FL 16 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 5.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGCY INC | 903 E 104TH ST, STE 800 KANSAS CITY, MO 64131 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGCY INC | 903 E 104TH ST, STE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PRESCOTT PAILET BENEFITS 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.01% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST, STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGCY INC | 6363 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.84% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INS AGCY INC | 903 E 104TH ST, STE 800 KANSAS CITY, MO 64131 | HUMANA INSURANCE COMPANY | $11K | $300 | $11K | 9.34% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL, 15TH FL DALLAS, TX 75231 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL, 15TH FL DALLAS, TX 75231 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 9.88% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $2.8M |
| Dental(2 contracts) | HUMANA INSURANCE COMPANY | 239 | $141K |
| Vision(2 contracts) | HUMANA INSURANCE COMPANY | 239 | $141K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $151K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $151K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $151K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.