| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY BROKERS LLC3 | 15301 WEST 87TH STREET LENEXA, KS 66219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 11.62% |
| KANSAS BENEFIT COUNSELORS LLC3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 11.01% |
| SUSAN MARIE WEITKAMP3 | 5051 JOSHUA DRIVE WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $748 | $2K | 2.72% |
| CONSTANCE NICOLE SCHMIDT3 | 924 SOUTH 6TH ATCHISON, KS 66002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $231 | $1K | 1.68% |
| MJ INSURANCE3 Filed as: TAX FREE BENEFIT AND VARIOUS AGENTS | 8434 ACUFF LANE LENEXA, KS 66215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $909 | $34 | $943 | 1.29% |
| MELISSA K PERCELL3 Filed as: MELISSA K. PERCELL | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $747 | $172 | $919 | 1.26% |
| GARY M. UPAH3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $722 | $0 | $722 | 0.99% |
| LEGACY BROKERS LLC3 | 15301 WEST 87TH STREET LENEXA, KS 66219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 11.74% |
| KANSAS BENEFIT COUNSELORS LLC3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 10.49% |
| SUSAN MARIE WEITKAMP3 | 5051 JOSHUA DRIVE WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $930 | $564 | $1K | 2.74% |
| CONSTANCE NICOLE SCHMIDT3 | 924 SOUTH 6TH ATCHISON, KS 66002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $237 | $1K | 2.32% |
| MELISSA K PERCELL3 Filed as: MELISSA PERCELL | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $622 | $143 | $765 | 1.40% |
| GARY M. UPAH3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $665 | $0 | $665 | 1.22% |
| MJ INSURANCE3 Filed as: TAX FREE BENEFIT AND VARIOUS AGENTS | 8434 ACUFF LANE LENEXA, KS 66215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $298 | $37 | $335 | 0.61% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $122 | $0 | $122 | 0.47% |
| LEGACY BROKERS LLC3 Filed as: LEGACY BROKERS, LLC | 15301 WEST 87TH STREET LENEXA, KS 66219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 14.74% |
| KANSAS BENEFIT COUNSELORS LLC3 Filed as: KANSAS BENEFIT COUNSELORS, LLC | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $987 | $2K | 13.19% |
| CONSTANCE NICOLE SCHMIDT3 | 924 SOUTH 6TH ATCHISON, KS 66002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $550 | $127 | $677 | 3.76% |
| SUSAN MARIE WEITKAMP3 | 5051JOSHUA DRIVE WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $382 | $262 | $644 | 3.58% |
| MELISSA K PERCELL3 Filed as: MELISSA K. PERCELL | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $218 | $50 | $268 | 1.49% |
| MJ INSURANCE3 Filed as: TAX FREE BENEFIT AND VARIOUS AGENTS | 8434 ACUFF LANE LENEXA, KS 66215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $245 | $14 | $259 | 1.44% |
| GARY M. UPAH3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $0 | $195 | 1.08% |
| LEGACY BROKERS LLC3 | 15301 WEST 87TH STREET PARKWAY SUITE 275 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 10.00% |
| LEGACY BROKERS LLC3 | 15301 WEST 87TH STREET LENEXA, KS 66219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 23.54% |
| KANSAS BENEFIT COUNSELORS LLC3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $37 | $81 | 21.43% |
| TAX FREE BENEFIT SOLUTIONS LLC3 | 8434 ACUFF LANE LENEXA, KS 66215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 10.85% |
| SUSAN MARIE WEITKAMP3 | 5051 JOSHUA DRIVE WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $11 | $25 | 6.61% |
| MELISSA K PERCELL3 Filed as: MELISSA K. PERCELL | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 3.97% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 280 | $119K |
| Vision | VISION SERVICE PLAN | 290 | $26K |
| Life insurance(5 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 127 | $157K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 98 | $11K |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 127 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.