| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | BLUECROSS BLUESHIELD OF KANSAS CITY | $21K | $24K | $46K | 1.69% |
| COHN CONSULTING & SERVICE INC3 | 8301 STATE LINE ROAD SUITE GA KANSAS CITY, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.04% |
| CHRISTI DIGGS3 | 9156 W 102 TERRACE OVERLAND PARK, MN 55402 | AFLAC | $2K | $68 | $2K | 5.21% |
| PATRICIA PENROD3 | 1401 S. CAGE BLVD UNIT A 115 PHARR, TX 78577 | AFLAC | $893 | — | $893 | 2.40% |
| DEBRA SHERLOCK3 | 2219 SUNRISE AVE GRAND ISLAND, NE 68803 | AFLAC | $444 | — | $444 | 1.19% |
| JULIA HADORN3 | 10778 S CARBONDALE ST OLATHE, KS 66061 | AFLAC | $335 | — | $335 | 0.90% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 10502 W 133RD TER APT 107 OVERLAND PARK, KS 66213 | AFLAC | $217 | — | $217 | 0.58% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES INC. | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $135 | — | $135 | 0.36% |
| WENDY TRIPP3 | 23117 W. 46TH TER SHAWNEE, KS 66226 | AFLAC | $134 | — | $134 | 0.36% |
| ANNIE BASS3 | PO BOX 19592 LENEXA, KS 66285 | AFLAC | $113 | — | $113 | 0.30% |
| K GRAMLICH INC3 Filed as: K GRAMLICH INC. | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $93 | — | $93 | 0.25% |
| SHANNON N SMITH3 Filed as: SHANNON SMITH | 1525 SE PICCADILLY ST. STE 205 BLUE SPRINGS, MO 64014 | AFLAC | $79 | $14 | $93 | 0.25% |
| ROGERS BENEFIT GROUP INC3 Filed as: ANGELA COOK | 5608 NE HIDDEN MEADOW CIR LEES SUMMIT, MO 64064 | AFLAC | $72 | $14 | $86 | 0.23% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH INC. | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $81 | — | $81 | 0.22% |
| JANET RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $78 | — | $78 | 0.21% |
| THOMAS PITZENBERGER3 | 1581 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $75 | — | $75 | 0.20% |
| TERRANCE GREENE3 | 11318 WOODWARD ST. OVERLAND PARK, KS 66210 | AFLAC | $52 | — | $52 | 0.14% |
| SALLY KARR3 | 13005 EAST 40TH ST SOUTH INDEPENDENCE, MO 64055 | AFLAC | $50 | — | $50 | 0.13% |
| JOSEPH ZEZZA3 | 448 RUSHFOIL DR. COLUMBIA, SC 29229 | AFLAC | $22 | — | $22 | 0.06% |
| JONATHAN KIRKLAND3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $14 | — | $14 | 0.04% |
| DONNA BAILEY3 | 354 LAKESIDE DR LIBERTY, MO 64068 | AFLAC | $13 | — | $13 | 0.03% |
| SUSAN L MASCARO3 Filed as: SUSAN MASCARO | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC | $13 | — | $13 | 0.03% |
| CRAIG W WARD3 Filed as: CRAIG WARD | 7808 N HOLLY ST APT 9 KANSAS CITY, MO 64118 | AFLAC | $10 | — | $10 | 0.03% |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $9 | — | $9 | 0.02% |
| CAROLE A JONES3 Filed as: CAROLE JONES | PO BOX 25 RICHMOND, MO 64085 | AFLAC | $8 | — | $8 | 0.02% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $3 | — | $3 | 0.01% |
| SHANTELL WELLS3 | 805 THOMPSON AVE SAINT JOSEPH, MO 64504 | AFLAC | $2 | — | $2 | 0.01% |
| MATTHEW PHILIP BRADEN3 Filed as: MATTHEW BRADEN | PO BOX 492203 REDDING, CA 96049 | AFLAC | $2 | — | $2 | 0.01% |
| DENISE R MUSTOE3 Filed as: DENISE MUSTOE | 2301 BURLINGTON ST. STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $2 | — | $2 | 0.01% |
| MICHELE FINELY3 | 10318 CAENEN DR LENEXA, KS 66215 | AFLAC | $1 | — | $1 | 0.00% |
| TARA JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC | $1 | — | $1 | 0.00% |
| TERRANCE GREENE3 Filed as: TERRANCE J GREENE | 11318 WOODWARD OVERLAND PARK, KS 66210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 2.91% |
| PATRICIA PENROD3 | 16075 S WYANDOTTE DRIVE OLATHE, KS 66062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 1.61% |
| WENDY TRIPP3 Filed as: WENDY E TRIPP | 22708 MIDLAND DR SHAWNEE, KS 66226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 1.61% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY L GRAMLICH | 9131 N BOOTH COURT KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 1.51% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.64% |
| CONSTANCE I LAGER3 | 115 E 4TH ST. MARYVILLE, MO 64468 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.14% |
| JANET ZENTMIRE RIGSBY3 Filed as: JANET Z LANGE | 801 MELANAE CT LIBERTY, ME 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| CHRISTI L DIGGS3 | 1905 159TH TERR BASHOR, KS 66007 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.12% |
| JANET ZENTMIRE RIGSBY3 Filed as: JANET Z LANGE | 801 MELANAE CT LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| JENNIFER L BOYD (SMITH)3 | 319 N. MAIN ST SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| SHANTELL WELLS3 | 805 THOMPSON ST. JOSEPH, MO 64504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| KELLY A GRAMLICH3 | 6700 ANTIOCH SUITE 100 MERRIAM, KS 66204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| SHELLY M BAYS3 | 4435 ENGLISH LANE LAFAYETTE, IN 47909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE, RSAA HARTFORD, CT 06156 | $5K |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF KANSAS CITY | 471 | $2.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 332 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $120K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $158K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS CITY | 471 | $2.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.