| 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 | $22K | $25K | $47K | 1.68% |
| COHN CONSULTING & SERVICE INC3 | 8301 STATE LINE ROAD SUITE GA KANSAS CITY, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 9.99% |
| PATRICIA PENROD3 | 1401 S CAGE BLVD UNIT A115 PHARR, TX 78577 | AFLAC | $883 | — | $883 | 2.22% |
| SHARON COX3 | 23524 W. 73RD TER SHAWNEE, KS 66227 | AFLAC | $818 | — | $818 | 2.06% |
| CHRISTI DIGGS3 | 9156 W. 102ND TER OVERLAND PARK, KS 66212 | AFLAC | $650 | $94 | $744 | 1.87% |
| JULIA HADORN3 | 10778 S CARBONDALE ST OLATHE, KS 66061 | AFLAC | $568 | — | $568 | 1.43% |
| JULIE HADORN3 | 10778 S. CARBONDALE ST. OLATHE, KS 66061 | AFLAC | $458 | $19 | $477 | 1.20% |
| DEBRA SHERLOCK3 | 2219 SUNRISE AVE. GRAND ISLAND, NE 68803 | AFLAC | $446 | — | $446 | 1.12% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 10502 W. 133RD TER APT 107 OVERLAND PARK, KS 66213 | AFLAC | $260 | $19 | $279 | 0.70% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES INC. | 1508 N. CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $128 | — | $128 | 0.32% |
| WENDY TRIPP3 | 23117 W. 46TH TER SHAWNEE, KS 66226 | AFLAC | $127 | — | $127 | 0.32% |
| ANNIE BASS3 | PO BOX 19592 LENEXA, KS 66285 | AFLAC | $107 | — | $107 | 0.27% |
| K GRAMLICH INC3 Filed as: K GRAMLICH INC. | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $81 | — | $81 | 0.20% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH INC. | 455 S SAM BARR DR SUITE 205 KEARNEY, MO 64060 | AFLAC | $75 | — | $75 | 0.19% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $75 | — | $75 | 0.19% |
| ROGERS BENEFIT GROUP INC3 Filed as: ANGELA COOK | 5608 NE HIDDEN MEADOW CIR PLEASANT HILL, MO 64064 | AFLAC | $69 | — | $69 | 0.17% |
| SHANNON N SMITH3 Filed as: SHANNON SMITH | 1525 SE PICCADILLY ST. BLUE SPRINGS, MO 64014 | AFLAC | $68 | — | $68 | 0.17% |
| JANET RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $67 | — | $67 | 0.17% |
| TERRANCE GREENE3 | 11318 WOODWARD ST. OVERLAND PARK, KS 66210 | AFLAC | $43 | — | $43 | 0.11% |
| SALLY KARR3 | 13005 E. 40TH ST. S INDEPENDENCE, MO 64055 | AFLAC | $41 | — | $41 | 0.10% |
| CRAIG W WARD3 Filed as: CRAIG WARD | 7808 N HOLLY ST. APT 9 KANSAS CITY, MO 64118 | AFLAC | $22 | — | $22 | 0.06% |
| JOSEPH ZEZZA3 | 448 RUSHFOIL DR. COLUMBIA, SC 29229 | AFLAC | $20 | — | $20 | 0.05% |
| JONATHAN KIRKLAND3 | 4245 MILGREN RD COLUMBUS, GA 31907 | AFLAC | $14 | — | $14 | 0.04% |
| DONNA BAILEY3 | 902 S ANN DR MARSHALL, MO 65340 | AFLAC | $13 | — | $13 | 0.03% |
| CAROLE A JONES3 Filed as: CAROLE JONES | PO BOX 25 RICHMOND, MO 64085 | AFLAC | $9 | — | $9 | 0.02% |
| JENNIFER SMITH3 | 319 N MAIN AVE SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $8 | — | $8 | 0.02% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $3 | — | $3 | 0.01% |
| TERRANCE GREENE3 Filed as: TERRANCE J GREENE | 11318 WOODWARD OVERLAND PARK, KS 66210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 2.90% |
| PATRICIA PENROD3 | 16075 S WYANDOTTE DRIVE OLATHE, KS 66062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 1.60% |
| WENDY TRIPP3 Filed as: WENDY E TRIPP | 22708 MIDLAND DR SHAWNEE, KS 66226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 1.60% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY L GRAMLICH | 9131 N BOOTH COURT KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 1.51% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.64% |
| CONSTANCE I LAGER3 | 115 E 4TH ST. MARYVILLE, MO 64468 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| JANET ZENTMIRE RIGSBY3 Filed as: JANET Z LANGE | 801 MELANAE CT LIBERTY, ME 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| 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 | 0.08% |
| JENNIFER L BOYD (SMITH)3 | 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% |
| 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 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE, RSAA HARTFORD, CT 06156 | $6K |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF KANSAS CITY | 198 | $2.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 401 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $123K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $162K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS CITY | 198 | $2.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.