| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | AETNA LIFE INSURANCE COMPANY | $189K | — | $189K | 18.11% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288K | — | $288K | 28.72% |
| JAY P HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 0.42% |
| VANDEGRIFFE INCORPORATED3 | 1600 HERITAGE LANDING SUITE 115 ST CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $308 | — | $308 | 0.03% |
| ZACHARY L SMITH3 | 319 N MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 0.01% |
| SEAN SMITH MANAGEMENT LLC3 Filed as: SEAN SMITH MANAGEMENT, LLC | 319 N MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.01% |
| TY D MAYBERRY3 | 8451 RED OAK ROAD GERALD, MO 63037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.00% |
| JUSTIN A GENTGES3 | 319 N MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $16K | — | $16K | 24.87% |
| CRAIG LOWRANCE3 Filed as: CRAIG WINEGAR | 4355 S NATIONAL AVENUE APT # 601 SPRINGFIELD, MO 65810 | AFLAC | $4K | $649 | $4K | 6.55% |
| JAY HIGGINS3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $2K | $430 | $2K | 3.41% |
| TY D MAYBERRY3 Filed as: TY MAYBERRY | 8451 RED OAK ROAD GERALD, MO 63037 | AFLAC | $683 | — | $683 | 1.08% |
| KEATON PROPST3 | 1214 HILLMANN LANE WARRENSBURG, MO 64093 | AFLAC | $163 | — | $163 | 0.26% |
| SS ONE LLC3 | 7020 TAYLOR CREEK ROAD JEFFERSON CITY, MO 65101 | AFLAC | $115 | — | $115 | 0.18% |
| DANIEL M MCALONE3 Filed as: DANIEL MCALONE | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | AFLAC | $36 | — | $36 | 0.06% |
| MARCIA MELLINGER3 | PO BOX 148 RIVERTON, KS 66770 | AFLAC | $16 | — | $16 | 0.03% |
| BRENNAN HURT3 | 5600 MILLRIDGE STREET SHAWNEE, KS 66218 | AFLAC | $6 | — | $6 | 0.01% |
| CALEB GILMOUR3 | 515 S MAIN STREET SUITE 105 WICHITA, KS 67202 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN A BALENTINE3 Filed as: JOHN BALENTINE | 1819 WHITE OAK DRIVE JOPLIN, MO 64801 | AFLAC | $2 | — | $2 | 0.00% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL A SMITH3 Filed as: MICHAEL SMITH | PO BOX 450 NEVADA, MO 64772 | AFLAC | $1 | — | $1 | 0.00% |
| MONICA WENTZ3 | 2629 UPPER CANEY VALLEY ROAD TAZEWELL, TN 37879 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER THOMAS HIPP3 Filed as: CHRISTOPHER HIPP | 1601 MEADOW LANE HAYS, KS 67601 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $1 | — | $1 | 0.00% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.50% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 W 130TH ST SUITE 200 OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - KC SERIES | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $338 | — | $338 | 2.54% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BLVD, SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 2.20% |
| VHA MID-AMERICAN INSURANCE SERVICES3 Filed as: VHA MID-AMERICA LIFE INSURANCE SERV | 7415 W 130TH ST SUITE 200 OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $210 | — | $210 | 15.00% |
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 | 2,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 66 | $413K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 3,759 | $1.0M |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 41 | $13K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 3,759 | $1.0M |
| Other(7 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 5,009 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,009 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.