| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH, INC. | 9131 NORTH BOOTH COURT KANSAS CITY, MO 64157 | AFLAC | $3K | $21 | $3K | 10.34% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $692 | $0 | $692 | 2.60% |
| TARA M HELLER3 Filed as: TARA M. HELLER | 10428 NORTH POTTER AVENUE KANSAS CITY, MO 64157 | AFLAC | $387 | $0 | $387 | 1.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $339 | $0 | $339 | 1.27% |
| MINDY SKIDMORE LLC3 Filed as: MINDY SKIDMORE, LLC | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $295 | $4 | $299 | 1.12% |
| THE LUTHER GROUP LLC3 Filed as: THE LUTHER GROUP, LLC | 6525 NW MELODY COURT PARKVILLE, MO 64152 | AFLAC | $166 | $0 | $166 | 0.62% |
| SUSAN L MASCARO3 Filed as: SUSAN L. MASCARO | 4267 WORDSWORTH WAY VENICE, FL 34293 | AFLAC | $74 | $0 | $74 | 0.28% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $2K | $445 | $3K | 20.48% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM LIFE INSURANCE COMPANY | $721 | $0 | $721 | 14.79% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 129 | $18K |
| Short-term disability | AFLAC | 44 | $27K |
| Other(2 contracts, 2 carriers) | AFLAC | 129 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
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.