| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GA INC | 900 NORTH POINT PARKWAY ALPAHRETTA, GA 30005 | AETNA LIFE INSURANCE CO. | $19K | — | $19K | 0.83% |
| BLUE CHIP BENEFITS3 | 4551 WEST 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $11K | $29K | 24.09% |
| BRET M BOEGER3 | 4551 WEST 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 9.95% |
| DENNIS WOOLARD3 | 8945 NORTH ALLENTON AVENUE KANSAS CITY, MO 64154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.84% |
| BLUE CHIP BENEFITS3 | 4551 WEST 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $8K | $27K | 29.08% |
| BLUE CHIP BENEFITS3 | 4551 WEST 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $6K | $24K | 34.17% |
| BLUE CHIP BENEFITS3 | 4551 WEST 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $6K | $16K | 24.09% |
| BLUE CHIP BENEFITS3 | 4551 WEST 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $6K | $15K | 24.09% |
| BLUE CHIP BENEFITS3 | 4551 WEST 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $4K | $15K | 34.08% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 386 | $2.2M |
| Dental | AETNA LIFE INSURANCE CO. | 386 | $2.2M |
| Vision | AETNA LIFE INSURANCE CO. | 386 | $2.2M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 182 | $152K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 181 | $120K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 359 | $65K |
| Other(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 274 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
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.