| 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 | $15K | $308 | $15K | 13.08% |
| KANSAS BENEFIT COUNSELORS LLC3 Filed as: KANSAS BENEFIT COUNSELORS, LLC | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $5K | $13K | 11.18% |
| CONSTANCE NICOLE SCHMIDT3 | 4709 NE 104TH STREET KANSAS CITY, MO 64156 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 5.44% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.87% |
| GARY M. UPAH3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $792 | $0 | $792 | 0.69% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT, LLC | 3905 TAMPA ROAD, SUITE 2367 OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $106 | $303 | 0.26% |
| MELISSA K PERCELL3 Filed as: MELISSA K. PERCELL AND OTHER AGENTS | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $277 | $25 | $302 | 0.26% |
| LEGACY BROKERS LLC3 | 15301 WEST 87TH STREET LENEXA, KS 66219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $194 | $10K | 12.27% |
| KANSAS BENEFIT COUNSELORS LLC3 Filed as: KANSAS BENEFIT COUNSELORS, LLC | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 11.42% |
| CONSTANCE NICOLE SCHMIDT3 | 4709 NE 104TH STREET KANSAS CITY, MO 64156 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $642 | $4K | 4.52% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $673 | $2K | 2.70% |
| GARY M. UPAH3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $625 | $0 | $625 | 0.80% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT LLC & OTHER AGENTS | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | $59 | $216 | 0.28% |
| MELISSA K PERCELL3 Filed as: MELISSA K. PERCELL | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $180 | $21 | $201 | 0.26% |
| LEGACY BROKERS LLC3 | 15301 WEST 87TH STREET LENEXA, KS 66219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $84 | $4K | 18.57% |
| KANSAS BENEFIT COUNSELORS LLC3 Filed as: KANSAS BENEFIT COUNSELORS, LLC | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 16.38% |
| CONSTANCE NICOLE SCHMIDT3 | 4709 NE 104TH STREET KANSAS CITY, MO 64156 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $303 | $2K | 8.66% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $525 | $293 | $818 | 4.30% |
| GARY M. UPAH3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $331 | $0 | $331 | 1.74% |
| CORCORAN & HOYT LLC3 Filed as: CORCORAN & HOYT, LLC | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $27 | $77 | 0.40% |
| MELISSA K PERCELL3 Filed as: MELISSA K. PERCELL AND OTHER AGENTS | 731 PLEASANT STREET DENVER, MO 64441 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $7 | $48 | 0.25% |
| LEGACY BROKERS LLC3 | 15301 WEST 87TH STREET PARKWAY SUITE 275 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR,LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $15 | $0 | $15 | 0.17% |
| KANSAS BENEFIT COUNSELORS LLC3 Filed as: KANSAS BENEFIT COUNSELORS, LLC | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $357 | $259 | $616 | 32.23% |
| LEGACY BROKERS LLC3 | 15301 WEST 87TH STREET LENEXA, KS 66219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $453 | $12 | $465 | 24.33% |
| GARY M. UPAH3 | 5211 WEST 156TH STREET OVERLAND PARK, KS 66224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 5.60% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE ROAD WENTZVILLE, MO 63385 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $37 | $97 | 5.08% |
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 | 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 | 92 | $43K |
| Vision | VISION SERVICE PLAN | 91 | $9K |
| Life insurance(5 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 150 | $224K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 98 | $10K |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 150 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.