| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $9K | $8K | $17K | 4.21% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $2K | $27K | 28.52% |
| BRANDAN BRUCE3 | PO BOX 43 INDIANOLA, IA 50125 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 5.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $844 | — | $844 | 7.15% |
| DENISE R MUSTOE3 | 8942 N LEWIS AVENUE KANSAS CITY, MO 64157 | AFLAC | $622 | — | $622 | 5.27% |
| NICOLE BETH JENKINS3 | 2301 BURLINGTON STREET, SUITE 200 KANSAS CITY, MO 64116 | AFLAC | $554 | — | $554 | 4.69% |
| CARISSA KING3 | 301 E EXCELSIOR STREET EXCELSIOR SPRINGS, MO 64024 | AFLAC | $147 | — | $147 | 1.25% |
| ROBERT C JOHNSTON3 | 1000 W FOXWOOD DR STE 300 RAYMORE, MO 64083 | AFLAC | $143 | — | $143 | 1.21% |
| GARY WILLIAM FITCH3 | 12050 W ROCHEPORT GRAVEL RD ROCHEPORT, MO 65279 | AFLAC | $107 | — | $107 | 0.91% |
| TIM C HAYSLETT3 | 10752 N FAIRMOUNT AVENUE KANSAS CITY, MO 64155 | AFLAC | $79 | — | $79 | 0.67% |
| KAYLA ESTRADA3 | 10034 N LAWN AVENUE KANSAS CITY, MO 64156 | AFLAC | $71 | — | $71 | 0.60% |
| CHAD J BASLER3 | 460 NE LAKES EDGE DRIVE LEES SUMMIT, MO 64064 | AFLAC | $67 | — | $67 | 0.57% |
| SHAUNA DENISE YOUNG3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $57 | — | $57 | 0.48% |
| VANESSA M HOFFMAN3 | 8315 NW TWIN OAKS DRIVE KANSAS CITY, MO 64151 | AFLAC | $21 | — | $21 | 0.18% |
| TARA M HELLER3 | 10428 N POTTER AVENUE KANSAS CITY, MO 64157 | AFLAC | $15 | — | $15 | 0.13% |
| CHAD M POSTON3 | 2409 W ASH ST COLUMBIA, MO 65203 | AFLAC | $13 | — | $13 | 0.11% |
| JON R OVERACRE | 1300 NE HILLTOP DR BLUE SPRINGS, MO 64014 | AFLAC | $8 | — | $8 | 0.07% |
| CHRISTOPHER M ASHTON3 | 5962 SCREAMING EAGLE LN COLUMBIA, MO 65201 | AFLAC | $7 | — | $7 | 0.06% |
| CHANDRA RENEE CARRIER3 | 8606 NE 89TH PLACE KANSAS CITY, MO 64157 | AFLAC | $6 | — | $6 | 0.05% |
| PARKHAVEN BENEFITS LLC3 | 8606 NE 89TH PL KANSAS CITY, MO 64157 | AFLAC | $6 | — | $6 | 0.05% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $3 | — | $3 | 0.03% |
| BRADLEY K HARRISON | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $2 | — | $2 | 0.02% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $2 | — | $2 | 0.02% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVENUE SPRINGFIELD, MO 65804 | AFLAC | $1 | — | $1 | 0.01% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 777 S. FIGUEROA STREET, 52ND FLOOR LOS ANGELES, CA 90017 | STANDARD INSURANCE COMPANY | $931 | — | $931 | 11.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR | Contract Administrator Service code 13 | — | $51K |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 236 | $425K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 85 | $81K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 215 | $104K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $96K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $96K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.