| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUECROSS BLUESHIELD OF KANSAS CITY | $57K | $20K | $78K | 3.35% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUECROSS BLUESHIELD OF KANSAS CITY | $8K | — | $8K | 6.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $3K | $13K | 16.92% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.16% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 17.08% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | EYEMED VISION CARE | $1K | — | $1K | 9.85% |
| RYAN LAGER3 | 9221 NE 111TH STREET KANSAS CITY, MO 64157 | AFLAC | $661 | $40 | $701 | 10.59% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | AFLAC | $401 | — | $401 | 6.06% |
| MINDY SKIDMORE LLC3 | 6220 NE 132ND STREET SMITHVILLE, MO 64089 | AFLAC | $249 | $11 | $260 | 3.93% |
| CHRISTINE LANE FARNAN3 | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | AFLAC | $135 | $11 | $146 | 2.21% |
| DANIEL E STIEGLER3 | 2412 SW WINTERBOND COURT LEES SUMMIT, MO 64081 | AFLAC | $53 | — | $53 | 0.80% |
| CHRISTINE BELLM3 | 19406 DIAMOND LANE SMITHVILLE, MO 64089 | AFLAC | $19 | $17 | $36 | 0.54% |
| CHAD J BASLER3 | 460 NE LAKES EDGE DRIVE LEES SUMMIT, MO 64064 | AFLAC | $31 | — | $31 | 0.47% |
| TIM C HAYSLETT3 | 11219 N SUMMIT STREET KANSAS CITY, MO 64155 | AFLAC | $27 | — | $27 | 0.41% |
| NANCY E ODOM3 | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | AFLAC | $9 | — | $9 | 0.14% |
| MANDRA JEANETTE MCCOMBS3 | 1271 E DRAGON FLY ROAD SAN TAN VALLEY, AZ 85143 | AFLAC | $8 | — | $8 | 0.12% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $8 | — | $8 | 0.12% |
| BELEN R AGUIRRE3 | 1306 NE SHADY LANE DRIVE KANSAS CITY, MO 64118 | AFLAC | $5 | — | $5 | 0.08% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $5 | — | $5 | 0.08% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $2 | — | $2 | 0.03% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVENUE SPRINGFIELD, MO 65804 | AFLAC | $1 | — | $1 | 0.02% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.02% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DRIVE CARROLLTON, TX 75006 | AFLAC | $1 | — | $1 | 0.02% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $734 | $70 | $804 | 13.71% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | EYEMED VISION CARE | $399 | — | $399 | 10.01% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 455 | $2.3M |
| Dental | BLUECROSS BLUESHIELD OF KANSAS CITY | 406 | $131K |
| Vision(2 contracts) | EYEMED VISION CARE | 200 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 545 | $76K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $22K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 545 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.