| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 S. 8TH ST STE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $61K | $35K | $96K | 1.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.00% |
| SUSAN L MASCARO3 | 4267 WORDSWORTH WAY VENICE, FL 34293 | AFLAC INCORPORATED | $4K | $105 | $4K | 6.86% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH, INC | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC INCORPORATED | $1K | — | $1K | 1.63% |
| K GRAMLICH INC3 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC INCORPORATED | $887 | $34 | $921 | 1.41% |
| DENISE R MUSTOE3 | 2301 BURLINGTON ST SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC INCORPORATED | $441 | — | $441 | 0.68% |
| TARA M JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC INCORPORATED | $267 | — | $267 | 0.41% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $242 | — | $242 | 0.37% |
| DAVID PRATHER3 | 448 WASHINGTON ST STE A CHILLICOTHE, MO 64601 | AFLAC INCORPORATED | $192 | — | $192 | 0.29% |
| JERRY LEE BROCKMAN3 Filed as: JERRY BROCKMAN | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $186 | — | $186 | 0.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JOHN MERCER | 6813 S JUANITA ST UNIT A TAMPA, FL 33616 | AFLAC INCORPORATED | $136 | — | $136 | 0.21% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, NC 28314 | AFLAC INCORPORATED | $128 | — | $128 | 0.20% |
| JOSEPH ZEZZA3 Filed as: JOSEPH C ZEZZA | 448 RUSHFOIL DR COLUMBIA, SC 13460 | AFLAC INCORPORATED | $127 | — | $127 | 0.19% |
| JOHN TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC INCORPORATED | $81 | — | $81 | 0.12% |
| JANEANE E BROCKMAN3 Filed as: JANEANE BROCKMAN | 5804 LEATHERBOOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $78 | — | $78 | 0.12% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 N OVERLAND DR KANSAS CITY, MO 64154 | AFLAC INCORPORATED | $61 | — | $61 | 0.09% |
| AMY ZIMMERMAN3 | 200 BROOKWOOD ST LANSING, MI 66043 | AFLAC INCORPORATED | $44 | $8 | $52 | 0.08% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC INCORPORATED | $45 | — | $45 | 0.07% |
| ERIN L KIRKLAND3 Filed as: ERIN KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC INCORPORATED | $44 | — | $44 | 0.07% |
| DAWN CIERPIOT3 | 10916 N WALLACE AVE KANSAS CITY, MO 64157 | AFLAC INCORPORATED | $40 | — | $40 | 0.06% |
| STEPHANIE CONNOR3 | 7865 NW ROANRIDGE RD APT F KANSAS CITY, MO 64151 | AFLAC INCORPORATED | $39 | — | $39 | 0.06% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC INCORPORATED | $35 | — | $35 | 0.05% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC INCORPORATED | $29 | — | $29 | 0.04% |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC INCORPORATED | $29 | — | $29 | 0.04% |
| CARL MASCARO3 | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC INCORPORATED | $23 | — | $23 | 0.04% |
| JANET RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC INCORPORATED | $19 | — | $19 | 0.03% |
| MICHAEL HOWARD WEEKS3 Filed as: MICHAEL WEEKS | 160 ELLIOTT RD AYDLETT, NC 27916 | AFLAC INCORPORATED | $19 | — | $19 | 0.03% |
| FRANCO CALVO3 | PO BOX 85183 HALLANDALE BEACH, FL 33008 | AFLAC INCORPORATED | $17 | — | $17 | 0.03% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $15 | — | $15 | 0.02% |
| RICHARDO SORIANO3 | 2044 ASHLEY OAKS CIR STE 102 WESLEY CHAPEL, FL 33544 | AFLAC INCORPORATED | $15 | — | $15 | 0.02% |
| DAVID H SEVON3 | 7651 W CARL AVE SPRINGFIELD, MO 65802 | AFLAC INCORPORATED | $15 | — | $15 | 0.02% |
| RANDALL INSURANCE GROUP INC3 Filed as: RANDALL BARLEIN | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC INCORPORATED | $13 | — | $13 | 0.02% |
| DONNA BAILEY3 | 902 S ANN DR MARSHALL, MO 65340 | AFLAC INCORPORATED | $12 | — | $12 | 0.02% |
| JESSICA CALVO3 | PO BOX 85183 HALLANDALE BEACH, FL 33008 | AFLAC INCORPORATED | $11 | — | $11 | 0.02% |
| LINDA J MAYBERRY3 Filed as: LINDA MAYBERRY | 8450 W FARM ROAD 160 REPUBLIC, MO 65738 | AFLAC INCORPORATED | $10 | — | $10 | 0.02% |
| MARCO A ERAZO3 Filed as: MARCO ERAZO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC INCORPORATED | $9 | — | $9 | 0.01% |
| JEREMY FRYE3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $8 | — | $8 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 920 MAIN ST UNIT 2100 KANSAS CITY, MO 64105 | AFLAC INCORPORATED | $6 | — | $6 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC INCORPORATED | $6 | — | $6 | 0.01% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2851 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC INCORPORATED | $6 | — | $6 | 0.01% |
| ALFRED RIETKERK3 Filed as: ALFRED REITKERK | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| JONATHAN KIRKLAND3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| RYAN WESNER3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $0 | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 3.31% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 720 | $5.0M |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 720 | $5.0M |
| Vision | VISION SERVICE PLAN | 726 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 302 | $112K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 302 | $53K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 302 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.