| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATHER A BENNETT3 | 28172 STATE HIGHWAY F MARYVILLE, MO 64468 | AFLAC | $4K | $204 | $4K | 8.78% |
| MICHELLE L SCHROFF3 | 28095 W US HIGHWAY 69 BETHANY, MO 64424 | AFLAC | $1K | $87 | $1K | 3.01% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DR SAINT JOSEPH, MO 64505 | AFLAC | $717 | $50 | $767 | 1.74% |
| ERIC J HENNEGIN3 | 7604 S PEOGA RD TRAFALGAR, IN 46181 | AFLAC | $280 | $0 | $280 | 0.63% |
| THE REVOLUTION LLC3 | 25 COURT DR SAINT JOSEPH, MO 64506 | AFLAC | $181 | $0 | $181 | 0.41% |
| MICHAEL L PACKARD3 | 298 CONWICK DR JACKSONVILLE, FL 32218 | AFLAC | $173 | $0 | $173 | 0.39% |
| K GRAMLICH INC3 | 9131 N BOOTH CT KANSAS CITY, MO 64157 | AFLAC | $121 | $0 | $121 | 0.27% |
| KERRY R PICKARD3 | 8534 N OVERLAND DR KANSAS CITY, MO 64154 | AFLAC | $103 | $0 | $103 | 0.23% |
| DENISE SIMPSON3 | 6209 S 24TH ST SAINT JOSEPH, MO 64504 | AFLAC | $100 | $0 | $100 | 0.23% |
| KRISTY GRAMLICH INC3 | 2301 BURLINGTON ST STE 200 KANSAS CITY, MO 64116 | AFLAC | $90 | $0 | $90 | 0.20% |
| RAMI C PACKARD3 | 298 CONWICK DR JACKSONVILLE, FL 32218 | AFLAC | $88 | $0 | $88 | 0.20% |
| CHAD J BASLER3 | 460 NE LAKES EDGE DR LEES SUMMIT, MO 64064 | AFLAC | $79 | $0 | $79 | 0.18% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64064 | AFLAC | $63 | $0 | $63 | 0.14% |
| ANGELIA DENISE CLUCK3 | 1873 EMINENCE RD HIGHLAND, KS 66035 | AFLAC | $58 | $0 | $58 | 0.13% |
| MORGAN DUNKLE3 | 1016 ELM ST MARYVILLE, MO 64468 | AFLAC | $44 | $0 | $44 | 0.10% |
| SUSAN L MASCARO3 | 4267 WORDSWORTH WAY VENICE, FL 34293 | AFLAC | $38 | $0 | $38 | 0.09% |
| MINDY SKIDMORE LLC3 | 6220 NE 132ND ST SMITHVILLE, MO 64089 | AFLAC | $38 | — | $38 | 0.09% |
| JONATHAN P PERKINSON3 | 2901 FREDERICK AVE APT 22A SAINT JOSEPH, MO 64506 | AFLAC | $37 | $0 | $37 | 0.08% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $33 | $0 | $33 | 0.07% |
| K GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $26 | $0 | $26 | 0.06% |
| TIM C HAYSLETT3 | 10752 N FAIRMOUNT AVE KANSAS CITY, MO 64155 | AFLAC | $24 | $0 | $24 | 0.05% |
| PAM L LEFLER3 | 3 ELMWOOD RD SAINT JOSEPH, MO 64505 | AFLAC | $24 | $0 | $24 | 0.05% |
| STEPHANIE CONNOR3 Filed as: STEPHANIE S CONNOR | 5309 NW 87TH CT KANSAS CITY, MO 64154 | AFLAC | $23 | $0 | $23 | 0.05% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $23 | $0 | $23 | 0.05% |
| BETH ANN TAYLOR3 | 6022 N 22ND STREET TER SAINT JOSEPH, MO 64505 | AFLAC | $20 | $0 | $20 | 0.05% |
| DEBRA KAY ALDRIDGE3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $20 | $0 | $20 | 0.05% |
| KRISTY GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $18 | $0 | $18 | 0.04% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $17 | $0 | $17 | 0.04% |
| SUSAN ANNE MILLER3 | 724 INDIAN GRASS WAY RAYMORE, MO 64083 | AFLAC | $16 | $0 | $16 | 0.04% |
| MARY K HUNT3 | 5512 NW MEADOWVALE DR KANSAS CITY, MO 64151 | AFLAC | $15 | $0 | $15 | 0.03% |
| TARA M JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC | $12 | $0 | $12 | 0.03% |
| GARY M BOCK3 | 2378 HIGHLAND ACRES RD MARSHALLTOWN, IA 50158 | AFLAC | $11 | $0 | $11 | 0.02% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $10 | $0 | $10 | 0.02% |
| ARVID G MCFARLAND3 | 1701 AVENUE L COUNCIL BLUFFS, IA 51501 | AFLAC | $9 | $0 | $9 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $9 | $0 | $9 | 0.02% |
| CLARENCE P BOCK3 | 2378 HIGHLAND ACRES RD MARSHALLTOWN, IA 50158 | AFLAC | $9 | $0 | $9 | 0.02% |
| SAM J SODA3 | 1200 E EMMA AVE DES MOINES, IA 50315 | AFLAC | $9 | $0 | $9 | 0.02% |
| BRIAN D NEUNER3 | 7651 E HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $9 | $0 | $9 | 0.02% |
| MINDY SKIDMORE LLC3 | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $8 | $0 | $8 | 0.02% |
| JAY P HIGGINS3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $5 | $0 | $5 | 0.01% |
| BRYAN C SWYERS3 | 2429 HYDE PARK RD JEFFERSON CITY, MO 65109 | AFLAC | $5 | $0 | $5 | 0.01% |
| DONNA BAILEY3 Filed as: DONNA M BAILEY | 902 S ANN DR MARSHALL, MO 65340 | AFLAC | $4 | $0 | $4 | 0.01% |
| ALYSON M LINSCOTT3 | 3101 NW 89TH TER KANSAS CITY, MO 64154 | AFLAC | $4 | $0 | $4 | 0.01% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $3 | $0 | $3 | 0.01% |
| RICHARD R KIMBROUGH3 | 9505 CHAD COLLEY BLVD UNIT 3804 FORT SMITH, AR 72916 | AFLAC | $3 | $0 | $3 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $1 | $0 | $1 | 0.00% |
| JONATHAN SAMUEL KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRADLEY K HARRISON3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROBIN M CALLAWAY3 | 10201 W MARKHAM ST STE 203 LITTLE ROCK, AR 72205 | AFLAC | $1 | $0 | $1 | 0.00% |
| JACQUELYN KIMBROUGH3 | PO BOX 568 CARLISLE, IA 50047 | AFLAC | $1 | $0 | $1 | 0.00% |
| STACEY SHROCK3 | 3616 UNIVERSITY AVE APT 4 DES MOINES, IA 50311 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | AFLAC | 83 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.