| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $9K | $6K | $14K | 0.12% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 EAST 104TH STREET SUITE 800 KANSAS CITY, MO 64131 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $43K | $12K | $56K | 3.78% |
| MARK EDWARD LAMBERTZ3 | 903 E 104TH ST SUITE 800 KANSAS CITY, MO 64131 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 2.77% |
| BROOKE RUNNION3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | KANSAS CITY LIFE INSURANCE COMPANY | $981 | — | $981 | 1.03% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $491 | — | $491 | 2.51% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 903 E 104TH ST STE 800 KANSAS CITY, MO 641313460 | VISION SERVICE PLAN | $792 | — | $792 | 5.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $384 | — | $384 | 2.55% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.23% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $440 | — | $440 | 3.78% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $391 | — | $391 | 3.89% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 14.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $475 | — | $475 | 5.01% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $637 | — | $637 | 14.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $222 | — | $222 | 5.17% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $602 | — | $602 | 15.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $200 | — | $200 | 4.99% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGENCY | 6363 COLLEGE BLVD STE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $100 | — | $100 | 20.00% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 193 | $13.0M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 148 | $96K |
| Vision | VISION SERVICE PLAN | 145 | $15K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $12K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.