| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUECROSS BLUESHIELD OF KANSAS CITY | $61K | $20K | $81K | 3.10% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUECROSS BLUESHIELD OF KANSAS CITY | $12K | — | $12K | 9.99% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.16% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.46% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $921 | $4K | 19.46% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | EYEMED VISION CARE | $1K | — | $1K | 10.04% |
| RYAN LAGER3 | 9221 NE 111TH STREET KANSAS CITY, MO 64157 | AFLAC | $219 | — | $219 | 5.39% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | AFLAC | $194 | — | $194 | 4.78% |
| MINDY SKIDMORE LLC3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $118 | — | $118 | 2.90% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | AFLAC | $33 | — | $33 | 0.81% |
| CHAD J BASLER3 | 460 NE LAKES EDGE DRIVE LEES SUMMIT, MO 64064 | AFLAC | $16 | — | $16 | 0.39% |
| DANIEL E STIEGLER3 | 2412 SW WINTERBOND COURT LEES SUMMIT, MO 64081 | AFLAC | $9 | — | $9 | 0.22% |
| MANDRA JEANETTE MCCOMBS3 | 1271 E DRAGON FLY ROAD SAN TAN VALLEY, AZ 85143 | AFLAC | $7 | — | $7 | 0.17% |
| TIM C HAYSLETT3 | 10752 N FAIRMONT AVENUE KANSAS CITY, MO 64155 | AFLAC | $5 | — | $5 | 0.12% |
| BELEN R AGUIRRE3 | 1306 NE SHADY LANE DRIVE KANSAS CITY, MO 64118 | AFLAC | $5 | — | $5 | 0.12% |
| NANCY E ODOM3 | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | AFLAC | $2 | — | $2 | 0.05% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.02% |
| ROBERT PERRY EVANS JR3 | 14422 COUNTY ROAD X MCLEAN, TX 79057 | AFLAC | $1 | — | $1 | 0.02% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $438 | — | $438 | 15.01% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $386 | $109 | $495 | 19.22% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | EYEMED VISION CARE | $256 | — | $256 | 10.08% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 E. 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $370 | — | $370 | 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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 400 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF KANSAS CITY | 385 | $121K |
| Vision(2 contracts) | EYEMED VISION CARE | 216 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 416 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $22K |
| Other(7 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 416 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.