| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J BYRNE | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | PRINCIPAL LIFE INSURANCE COMPANY | $41K | $8K | $49K | 10.54% |
| AMY ZIMMERMAN3 | 200 BROOKWOOD STREET LANSING, KS 66043 | AFLAC | $1K | — | $1K | 3.05% |
| CHRISTI LANE FARNAN3 Filed as: CHRISTI FARNAN | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | AFLAC | $731 | — | $731 | 1.62% |
| PENNY K WRIGHT3 Filed as: PENNY WRIGHT | 308 NE 82ND TER KANSAS CITY, MO 64118 | AFLAC | $464 | — | $464 | 1.03% |
| MELVA VANALST3 | 8503 NW 106TH STREET KANSAS CITY, MO 64157 | AFLAC | $264 | — | $264 | 0.59% |
| SHARON R GROOM3 Filed as: SHARON GROOM | 25275 HARDESTY LANE WESTON, MO 64098 | AFLAC | $118 | — | $118 | 0.26% |
| MARGARET LAPIERRE3 | 669 W. 70TH TER KANSAS CITY, MO 64113 | AFLAC | $27 | — | $27 | 0.06% |
| TIM C HAYSLETT3 Filed as: TIM HAYSLETT | 10752 N. FAIRMOUNT AVE KANSAS CITY, MO 64155 | AFLAC | $11 | — | $11 | 0.02% |
| CHAD J BASLER3 Filed as: CHAD BASLER | 460 NE LAKES EDGE DRIVE LEES SUMMIT, MO 64064 | AFLAC | $7 | — | $7 | 0.02% |
| JEFFREY B HAWKINS3 Filed as: JEFFREY HAWKINS | 2300 MAJOR LANE MONTROSE, CO 81401 | AFLAC | $7 | — | $7 | 0.02% |
| BRIAN MILLS3 | 1402 W. LUCY WEBB ROAD RAYMORE, MO 64083 | AFLAC | $3 | — | $3 | 0.01% |
| BENJAMIN BYRNE & ASSOCIATES3 | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.03% |
| JEFFREY D HARNED3 Filed as: JEFFREY HARNED | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $348 | $1K | 3.40% |
| LIG BENEFITS LLC3 | 11918 PERRY CROSSING PKWY SELLERSBURG, IN 47172 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | $22 | $926 | 2.33% |
| WILLIAM JACK MITCHELL JR3 Filed as: WILLIAM MITCHELL JR | 920 S. ASH ST N PLATTE, NE 69101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $633 | $92 | $725 | 1.83% |
| RTR AL CORP3 Filed as: RTR AL CORP. | 100 PROMENADE COURT LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $559 | — | $559 | 1.41% |
| TIM REED3 | 21 AZALEA DR LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.37% |
| BILODEAU INC3 Filed as: BILODEAU INC. | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| AMY ZIMMERMAN3 | 200 BROOKWOOD STREET LANSING, KS 66043 | AFLAC | $51 | — | $51 | 3.29% |
| CHRISTI LANE FARNAN3 Filed as: CHRISTI FARNAN | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | AFLAC | $23 | — | $23 | 1.48% |
| MELVA VANALST3 | 8503 NE 106TH STREET KANSAS CITY, MO 64157 | AFLAC | $9 | — | $9 | 0.58% |
| BRYNE & ASSOCIATES3 | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | NATIONWIDE INSURANCE COMPANY | $59K | — | $59K | — |
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS SERVICES CORPORATION | 1700 EASTPOINT PKWY LOUISVILLE, KY 40223 | NATIONWIDE INSURANCE COMPANY | $18K | — | $18K | — |
| MARK HAHN3 | 1700 EASTPOINT PKWY LOUISVILLE, KY 40223 | NATIONWIDE INSURANCE COMPANY | $10K | — | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| S&S HEALTHCARE STRATEGIES/CIGNA EIN 31-1418743 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Other insurance fees and expenses Service code 13 | — | $71K |
| UNDERWRITERS SERVICES CORPORATION EIN 90-0345133 CLAIM PROCESSOR | Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees; Recordkeeping fees Service code 12 | — | $66K |
| BYRNE ASSOCIATES | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $8K |
| MARK HAHN INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1700 EASTPOINT PARKWAY LOUISVILLE, KY 40223 | $5K |
| HINES & ASSOCIATES EIN 36-3545085 UR CLAIM PROCESSOR | Other fees; Insurance services Service code 23 | — | $755 |
| BRYNE & ASSOCIATES | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $82 |
| BYRNE & ASSOCIATES INSURANCE BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 9401 WILLIAMSBURG PLAZA LOUISVILLE, KY 40222 | $0 |
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 | 460 | 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) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE INSURANCE COMPANY | 298 | $0 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 867 | $469K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 867 | $469K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 867 | $469K |
| Short-term disability(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 867 | $515K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 867 | $469K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE INSURANCE COMPANY | 298 | $0 |
| Other(3 contracts, 2 carriers) | AFLAC | 68 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 867 | — |
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.