| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 7015 COLLEGE BLVD, STE 400 OVERLAND PARK, KS 66211 | BLUECROSS AND BLUESHIELD OF KANSAS CITY | $28K | $17K | $45K | 6.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 NORTH PARAMUS, NJ 07652 | LINCOLN FINANCIAL | $5K | — | $5K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7015 COLLEGE BLVD SUITE 400 OVERLAND PARK, KS 64083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.06% |
| DAWN CIERPIOT3 Filed as: DAWN R CIERPIOT | 10916 N. WALLACE AVENUE KASNAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $759 | — | $759 | 2.76% |
| NICOLE BETH JENKINS3 Filed as: NICOLE B JENKINS | 2301 BURLINGTON ST. SUITE 200 KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $481 | — | $481 | 1.75% |
| TIFFANY S HERMSEN3 Filed as: TIFFANY HERMSEN | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $371 | — | $371 | 1.35% |
| KELLY A GRAMLICH3 | 9131 NORTH BOOTH COURT KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $237 | — | $237 | 0.86% |
| CONSTANCE I LAGER3 Filed as: CONSTANCE LAGER | 6220 NE 132ND ST. SMITHVILLE, MO 64089 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.63% |
| THE C & S GROUP INC3 Filed as: THE C&S GROUP, INC. | 2301 BURLINGTON ST. N. KANSAS CITY, MA 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.44% |
| MINDY M SKIDMORE3 | 3308 NW 84TH TERR KANSAS CITY, MO 64154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.43% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES INC. | 1508 N. CHURCH ROAD SUITE B LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.39% |
| JORDAN STEINERT ENTERPRISES INC.3 | 800 LAKESHORE DRIVE TUSCOLA, IL 61953 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.32% |
| DENISE R MUSTOE3 | 8942 NORTH LEWIS AVE KANSAS CITY, MO 64157 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.32% |
| TARA JORDAN3 | 800 LAKESHORE DRIVE TUSCOLA, IL 61953 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.28% |
| JULIA M OLSON3 | 3109 NW OAKCREST DRIVE KANSAS CITY, MO 64151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.25% |
| SHANNON N SMITH3 | 1525 SE PICCADILLY ST. BLUE SPRINGS, MO 64014 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.21% |
| CHRISTI L. FARNAN3 Filed as: CHRISTI L FARNAN | 3109 NW OAKCREST DRIVE KANSAS CITY, MO 64151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.17% |
| STACEY L SHANNON3 | 522 NW 1891 RD KINESVILLE, MO 64061 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.15% |
| RYAN LAGER3 | 3630 GILLHAM ROAD # N304 KANSAS CITY, MO 64111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.15% |
| RICKER ENTERPRISES LLC3 Filed as: RICKER ENTERPRISES, LLC | 611 W. FORT SCOTT ST. BUTLER, MA 64730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.11% |
| BRIAN MILLS3 Filed as: BRIAN A MILLS | 1402 W. LUCY WEBB ROAD RAYMORE, MO 64083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| JENNIFER L BOYD (SMITH)3 Filed as: JENNIFER L (BOYD) SMITH | 319 N. MAIN ST. SUITE 130 SPRINGFIELD, MO 65806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| WESNER ENTERPRISES LLC3 Filed as: WESNER ENTERPRISES, LLC | 416 NE 101ST ST. KANSAS CITY, MO 64155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| JANET ZENTMIRE RIGSBY3 Filed as: JANET Z LANGE | 801 MELANAE CT. LIBERTY, MO 64068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 7015 COLLEGE BLVD STE 400 OVERLAND PARK, KS 662111671 | VISION SERVICE PLAN (VSP) | $762 | — | $762 | 7.55% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF KANSAS CITY | 111 | $723K |
| Dental | BLUECROSS AND BLUESHIELD OF KANSAS CITY | 111 | $723K |
| Vision | VISION SERVICE PLAN (VSP) | 86 | $10K |
| Life insurance | LINCOLN FINANCIAL | 135 | $35K |
| Short-term disability | LINCOLN FINANCIAL | 135 | $35K |
| Long-term disability | LINCOLN FINANCIAL | 135 | $35K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF KANSAS CITY | 111 | $723K |
| Other(2 contracts, 2 carriers) | LINCOLN FINANCIAL | 135 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
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.