| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $16K | $641 | $16K | 41.84% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH, INC. | 9131 NORTH BOOTH COURT KANSAS CITY, MO 64157 | AFLAC | $2K | $273 | $3K | 10.29% |
| MINDY SKIDMORE LLC3 Filed as: MINDY SKIDMORE, LLC & OTHER AGENTS | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $401 | $0 | $401 | 1.54% |
| THE LUTHER GROUP LLC3 Filed as: THE LUTHER GROUP, LLC | 6525 NW MELODY COURT PARKVILLE, MO 64152 | AFLAC | $214 | $52 | $266 | 1.02% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY L. GRAMLICH | 9131 NORTH BOOTH COURT KANSAS CITY, MO 64157 | AFLAC | $159 | $0 | $159 | 0.61% |
| DAVID PRATHER3 | 228 NORTH JESSE JAMES ROAD SUITE D EXCELSIOR SPRINGS, MO 64024 | AFLAC | $84 | $0 | $84 | 0.32% |
| SUSAN L MASCARO3 Filed as: SUSAN L. MASCARO | 4267 WORDSWORTH WAY VENICE, FL 34293 | AFLAC | $74 | $0 | $74 | 0.28% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $73 | $0 | $73 | 0.28% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM LIFE INSURANCE COMPANY | $3K | $220 | $3K | 16.15% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 119 | $39K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 119 | $39K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 119 | $39K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 134 | $19K |
| Short-term disability | AFLAC | 27 | $26K |
| Prescription drug | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 119 | $39K |
| Other(2 contracts, 2 carriers) | AFLAC | 134 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.