| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E. MILLER GROUP | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | AETNA LIFE INSURANCE CO. | $51K | — | $51K | 17.65% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 10.82% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $5K | 16.84% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $715 | $224 | $939 | 19.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 HEALTH ADMINISTRATOR | Contract Administrator; Recordkeeping fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $67K |
| ROBERT E. MILLER INSURANCE AGENCY INSURANCE BROKER | Insurance agents and brokers Service code 22 | 6363 COLLEGE BOULEVARD OVERLAND PARK, KS 66211 | $61K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 DENTAL ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $13K |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $45K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $28K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 183 | $290K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.