| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC | 6710 WEST 121ST STREET STE 150 LEAWOOD, KS 92660 | RELIANCE MATRIX | $39K | $0 | $39K | 15.00% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC D | 6710 WEST 121ST STREET SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $9K | 25.00% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC D | 6710 WEST 121ST STREET SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 25.00% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC D | 6710 WEST 121ST STREET SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $471 | $2K | 25.00% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC D | 6710 WEST 121ST STREET SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 22.51% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC D | 6710 WEST 121ST STREET SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $417 | $3K | 30.00% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC D | 6710 WEST 121ST STREET SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $309 | $2K | 30.00% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC D | 6710 WEST 121ST STREET SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $871 | $218 | $1K | 24.99% |
| MONTSHIRE GLOBAL DISTRIBUTORS3 Filed as: MONTSHIRE GLOBAL DISTRIBUTORS LLC D | 6710 WEST 121ST STREET SUITE 150 LEAWOOD, KS 66209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $651 | $163 | $814 | 25.02% |
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 | 446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE MATRIX | 594 | $260K |
| Vision | RELIANCE MATRIX | 594 | $260K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 446 | $38K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 71 | $32K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 245 | $358K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 446 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.