| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 TOMAHAWK CREEK PARKWAY #200 LEAWOOD, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $42K | — | $42K | 3.50% |
| USI INSURANCE SERVICES LLC3 | MOUNTAIN - KANSAS PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRUDENTIAL | $17K | — | $17K | 15.77% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | — | PRUDENTIAL | $3K | — | $3K | 2.76% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $24 | $24 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $768 | $4K | 5.68% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A ALLTRUST INSURAN | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $308 | — | $308 | 0.47% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $3K | $141 | $3K | 7.83% |
| CHRISTI LANE FARNAN3 | 1193 CLUB VIEW DR SAINT JOSEPH, MO 64116 | AFLAC | $491 | $33 | $524 | 1.28% |
| MINDY SKIDMORE LLC3 | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $382 | $23 | $405 | 0.99% |
| AMY ZIMMERMAN3 Filed as: AMY LYNN ZIMMERMAN | 200 BROOKWOOD ST LANSING, KS 66043 | AFLAC | $358 | — | $358 | 0.88% |
| DEEANN MARIE HINKLE3 | 1026 240TH ST HIAWATHA, KS 66434 | AFLAC | $326 | — | $326 | 0.80% |
| DONNA BAILEY3 Filed as: DONNA M BAILEY | 1108 S WESTPORT DR APT 1 MARSHALL, MO 65340 | AFLAC | $260 | — | $260 | 0.64% |
| K GRAMLICH INC3 | 9131 N BOOTH CT KANSAS CITY, MO 64157 | AFLAC | $147 | — | $147 | 0.36% |
| KRISTY GRAMLICH INC3 | 9131 N BOOTH CT KANSAS CITY, MO 64157 | AFLAC | $126 | — | $126 | 0.31% |
| SHELLY M BAYS3 | 820 HAVELKA ST LAFAYETTE, IN 47909 | AFLAC | $123 | — | $123 | 0.30% |
| JULIUS M FISCHER JR3 | 4443 W 159TH TER APT 220 OVERLAND PARK, KS 66085 | AFLAC | $90 | — | $90 | 0.22% |
| MATTHEW PHILIP BRADEN3 | 480 W MURRAY BLVD APT 10E ESALT LAKE CITY, UT 84123 | AFLAC | $72 | — | $72 | 0.18% |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVE CORAL GABLES, FL 33156 | AFLAC | $67 | — | $67 | 0.16% |
| CHANDA L CASE3 | 29575 STATE HWY E LA PLATA, MO 63549 | AFLAC | $52 | $10 | $62 | 0.15% |
| SANDRA LEE RACKERS3 | 11116 N BELLEVIEW AVE KANSAS CITY, MO 64155 | AFLAC | $46 | — | $46 | 0.11% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $43 | — | $43 | 0.11% |
| ELIZABETH MONICA SEYMOUR3 | 13403 REDWOOD LN SMITHVILLE, MO 64089 | AFLAC | $23 | — | $23 | 0.06% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $15 | — | $15 | 0.04% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $11 | — | $11 | 0.03% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $8 | — | $8 | 0.02% |
| CHRISTI DIGGS3 | 5212 BUENA VISTA ST ROELAND PARK, KS 66205 | AFLAC | $8 | — | $8 | 0.02% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $5 | — | $5 | 0.01% |
| DARLENE M BAKER3 | 102 WILLOW DR LANSING, KS 66043 | AFLAC | $4 | — | $4 | 0.01% |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 165 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $65K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $65K |
| Life insurance | PRUDENTIAL | 139 | $107K |
| Long-term disability | PRUDENTIAL | 139 | $107K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 139 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.