| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE ROAD, SUITE 202 WAUKESHA, WI 53188 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $22K | $0 | $22K | 55.04% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 23.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 4047 CONCORD, CA 94524 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $869 | $869 | 2.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH, INC. | 2301 BURLINGTON STREET, SUITE 200 KANSAS CITY, MO 64116 | AFLAC | $3K | $65 | $3K | 9.79% |
| K GRAMLICH INC3 Filed as: K. GRAMLICH, INC. | 9131 NORTH BOOTH COURT KANSAS CITY, MO 64157 | AFLAC | $2K | $15 | $2K | 4.48% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH, INC. | 9131 NORTH BOOTH COURT KANSAS CITY, MO 64157 | AFLAC | $2K | $0 | $2K | 4.28% |
| THE LUTHER GROUP LLC3 | 6620 NORTHWEST DEARING DRIVE PARKVILLE, MO 64152 | AFLAC | $689 | $15 | $704 | 1.99% |
| MJ INSURANCE3 Filed as: DAVID PRATHER & VARIOUS AGENTS | 96 WEST CHURCH STREET SMITHVILLE, MO 64089 | AFLAC | $650 | $0 | $650 | 1.83% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY L. GRAMLICH | 2301 BURLINGTON STREET, SUITE 200 KANSAS CITY, MO 64116 | AFLAC | $119 | $0 | $119 | 0.34% |
| TIFFANY S HERMSEN3 Filed as: TIFFANY S. HERMSEN | 2404 NORTHEAST 79TH PLACE KANSAS CITY, MO 64118 | AFLAC | $93 | $0 | $93 | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE ROAD, SUITE 202 WAUKESHA, WI 53188 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM LIFE INSURANCE COMPANY | $673 | $0 | $673 | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 4047 CONCORD, CA 94524 | ANTHEM LIFE INSURANCE COMPANY | $0 | $646 | $646 | 2.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | -$591 | $0 | -$591 | -2.64% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 120 | $40K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 120 | $40K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 120 | $40K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 129 | $22K |
| Short-term disability | AFLAC | 29 | $35K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 120 | $40K |
| Other(2 contracts, 2 carriers) | AFLAC | 129 | $58K |
| 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."
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.