| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E., MILLER INSURANCE AGENCY | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | HCC LIFE INSURANCE COMPANY | — | $78K | $78K | 8.87% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $6K | $31K | 14.33% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 9.95% |
| NICOLA R. BLOSS3 | 600 SW WHITETAIL DRIVE OAK GROVE, MO 64075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 8.65% |
| MINDY SKIDMORE LLC3 | 3100 BROADWAY, SUITE 223 KANSAS CITY, MO 64111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.86% |
| NICOLE BETH JENKINS3 | 8604 NE 91ST STREET KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $739 | — | $739 | 0.71% |
| TIFFANY S HERMSEN3 Filed as: TIFFANY S. HERMSEN | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $582 | — | $582 | 0.56% |
| BRANDI ANN BECKERLE3 | 800 CANTER STREET RAYMORE, MO 64083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | — | $199 | 0.19% |
| EZEQUIEL BUCCI TORRES3 Filed as: EZEQUIEL BUCCI-TORRES | 14901 EAST 44TH STREET S INDEPENDENCE, MO 64055 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.14% |
| VANESSA M HOFFMAN3 Filed as: VANESSA M. HOFFMAN | 8315 NW TWIN OAKS DRIVE KANSAS CITY, MO 64015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.13% |
| MINDY M SKIDMORE3 Filed as: MINDY M. SKIDMORE | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.12% |
| OLIVIA GABRIELLE BOYD3 | 200 WALNUT STREET, SUITE 212 KANSAS CITY, MO 64106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.10% |
| MELISSA DOUGAN3 Filed as: MELISSA DOUGAN LLC | 9125 NW MOORE ROAD PARKVILLE, MO 64153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RAMOND BROWN | 809 NW 37TH STREET BLUE SPRINGS, MO 64015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | VISION SERVICE PLAN | $1K | — | $1K | 5.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $17K |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 165 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $214K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $214K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $214K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 223 | $878K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.