| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | BLUECROSS BLUESHIELD OF KANSAS CITY | $21K | $24K | $45K | 1.77% |
| COHN CONSULTING & SERVICE INC3 | 8301 STATE LINE ROAD SUITE GA KANSAS CITY, MO 641142019 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 9.99% |
| CHRISTI DIGGS3 | 10218 JOHNSON DRIVE LOT 107 MERRIAM, KS 66203 | AFLAC | $1K | $21 | $1K | 3.17% |
| PATRICIA PENROD3 | 1401 S CAGE BLVD UNIT A 115 PHARR, TX 78577 | AFLAC | $961 | — | $961 | 2.80% |
| DEBRA SHERLOCK3 | 2219 SUNRISE AVE GRAND ISLAND, NE 68803 | AFLAC | $439 | — | $439 | 1.28% |
| SHANNON N SMITH3 Filed as: SHANNON SMITH | 1525 SE PICCADILLY ST BLUE SPRINGS, MO 64014 | AFLAC | $180 | — | $180 | 0.52% |
| ROGERS BENEFIT GROUP INC3 Filed as: ANGELA COOK | 5608 NE HIDDEN MEADOW CIR LEES SUMMIT, MO 64064 | AFLAC | $154 | $14 | $168 | 0.49% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64688 | AFLAC | $143 | $7 | $150 | 0.44% |
| WENDY TRIPP3 | 23117 W 46TH TERR SHAWNEE, KS 66226 | AFLAC | $142 | — | $142 | 0.41% |
| ANNIE BASS3 | PO BOX 19592 LENEXA, KS 66285 | AFLAC | $116 | $5 | $121 | 0.35% |
| K GRAMLICH INC3 | 455 S SAM BARR DR SUITE 205 KEARNEY, MO 64060 | AFLAC | $97 | — | $97 | 0.28% |
| KRISTY GRAMLICH INC3 | 455 S SAM BARR DR SUITE 205 KEARNEY, MO 64060 | AFLAC | $90 | — | $90 | 0.26% |
| JANET RIGSBY3 | 601 MELANAE CT LIBERTY, MO 64068 | AFLAC | $76 | — | $76 | 0.22% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $75 | — | $75 | 0.22% |
| TERRANCE GREENE3 | 11316 WOODWARD ST OVERLAND PARK, KS 66210 | AFLAC | $52 | — | $52 | 0.15% |
| SALLY KARR3 | 13006 E 40TH STREET SOUTH INDEPENDENCE, MO 64055 | AFLAC | $51 | — | $51 | 0.15% |
| SUSAN L MASCARO3 Filed as: SUSAN MASCARO | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC | $50 | — | $50 | 0.15% |
| CRAIG W WARD3 Filed as: CRAIG WARD | 7806 N HOLLY ST APT 13 KANSAS CITY, MO 64118 | AFLAC | $31 | $5 | $36 | 0.10% |
| CRAIG W WARD3 Filed as: CRAIG WARD | 7806 N HOLLY ST APT 13 KANSAS CITY, MO 64118 | AFLAC | $31 | $5 | $36 | 0.10% |
| DENISE R MUSTOE3 Filed as: DENISE MUSTOE | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $9 | — | $9 | 0.03% |
| MATTHEW PHILIP BRADEN3 Filed as: MATTHEW BRADEN | PO BOX 492203 REDDING, CA 96049 | AFLAC | $8 | — | $8 | 0.02% |
| CAROLE A JONES3 Filed as: CAROLE JONES | PO BOX 25 RICHMOND, MO 64085 | AFLAC | $8 | — | $8 | 0.02% |
| MICHELE FINELY3 Filed as: MICHELE FINLEY | 10318 CAENEN DR LENEXA, KS 66215 | AFLAC | $5 | — | $5 | 0.01% |
| SHANE PARKISON3 | 15513 PEBBLE DR BASEHOR, KS 66007 | AFLAC | $4 | — | $4 | 0.01% |
| TARA JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC | $4 | — | $4 | 0.01% |
| SHANTELL WELLS3 | 805 THOMPSON AVE SAINT JOSEPH, MO 64504 | AFLAC | $3 | — | $3 | 0.01% |
| TERRANCE GREENE3 | 11318 WOODWARD OVERLAND PARK, KS 66210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $190 | — | $190 | 2.92% |
| PATRICIA PENROD3 | 16075 S WYANDOTTE DR OLATHE, KS 66062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 1.61% |
| WENDY TRIPP3 | 22708 MIDLAND DR SHAWNEE, KS 66226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 1.61% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH | 9131 N BOOTH COURT KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 1.57% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.65% |
| JANET ZENTMIRE RIGSBY3 Filed as: JANET LANGE | 801 MELANAE CT LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.20% |
| CONSTANCE I LAGER3 Filed as: CONSTANCE LAGER | 5109 NE 55TH TERR KANSAS CITY, MO 64119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.15% |
| CHRISTI DIGGS3 | 1905 159TH TERR BASEHOR, KS 66007 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| JENNIFER L BOYD (SMITH)3 Filed as: JENNIFER BOYD (SMITH) | 319 N MAIN ST SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| SHANTELL WELLS3 | 805 THOMPSON ST JOSEPH, MO 64504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| SHELLY M BAYS3 Filed as: SHELLY BAYS | 4435 ENGLISH LANE LAFAYETTE, IN 47909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
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 | 196 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF KANSAS CITY | 489 | $2.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 325 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 402 | $108K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 402 | $143K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS CITY | 489 | $2.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 402 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.