| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET KANSAS CITY, MO 64131 | BLUECROSS BLUESHIELD OF KANSAS CITY | $59K | $20K | $78K | 3.36% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 E. 104TH STREET KANSAS CITY, MO 64131 | BLUECROSS BLUESHIELD OF KANSAS CITY | $8K | — | $8K | 6.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET KANSAS CITY, MO 64131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 14.90% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET KANSAS CITY, MO 64131 | EYEMED VISION CARE | $1K | — | $1K | 10.09% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET KANSAS CITY, MO 64131 | AFLAC | $273 | — | $273 | 4.96% |
| RYAN LAGER3 | 8342 N OVERLAND DRIVE KANSAS CITY, MO 64151 | AFLAC | $185 | $10 | $195 | 3.54% |
| MINDY SKIDMORE LLC3 | 96 W CHURCH STREET SMITHVILLE, MO 64089 | AFLAC | $159 | $4 | $163 | 2.96% |
| CHRISTINE BELLM3 | 19406 DIAMOND LANE SMITHVILLE, MO 64089 | AFLAC | $116 | — | $116 | 2.11% |
| CHRISTINE LANE FARNAN3 | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | AFLAC | $71 | $4 | $75 | 1.36% |
| DANIEL E STIEGLER3 | 2412 SW WINTERBOND COURT LEES SUMMIT, MO 64081 | AFLAC | $74 | — | $74 | 1.34% |
| TIM C HAYSLETT3 | 11219 N SUMMIT STREET KANSAS CITY, MO 64155 | AFLAC | $37 | — | $37 | 0.67% |
| CHAD J BASLER3 | 460 NE LAKES EDGE DRIVE LEES SUMMIT, MO 64064 | AFLAC | $33 | — | $33 | 0.60% |
| BELEN R AGUIRRE3 | 1306 NE SHADY LANE DRIVE KANSAS CITY, MO 64118 | AFLAC | $23 | — | $23 | 0.42% |
| MANDRA JEANETTE MCCOMBS3 | 203 LAKELAND DRIVE SMITHVILLE, MO 64089 | AFLAC | $12 | $10 | $22 | 0.40% |
| THE C & S GROUP INC3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $12 | — | $12 | 0.22% |
| NANCY E ODOM3 | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | AFLAC | $10 | — | $10 | 0.18% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $10 | — | $10 | 0.18% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $5 | — | $5 | 0.09% |
| OVERCOMER LLC3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $3 | — | $3 | 0.05% |
| DONNA SWYERS3 Filed as: DONNA C SWYERS | 2429 HYDE PARK ROAD JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.05% |
| JOHN SCHAEFFERKOETTER3 Filed as: JOHN M WEBER | 1707 S OAKS DRIVE WARDSVILLE, MO 65101 | AFLAC | $3 | — | $3 | 0.05% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVENUE, SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $2 | — | $2 | 0.04% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $2 | — | $2 | 0.04% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DRIVE CARROLLTON, TX 75006 | AFLAC | $1 | — | $1 | 0.02% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET KANSAS CITY, MO 64131 | EYEMED VISION CARE | $378 | — | $378 | 10.10% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $486 | — | $486 | 14.99% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 443 | $2.3M |
| Dental | BLUECROSS BLUESHIELD OF KANSAS CITY | 404 | $129K |
| Vision(2 contracts) | EYEMED VISION CARE | 167 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 332 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $20K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.