| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $96K | $14K | $111K | 6.01% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.74% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 35.61% |
| SHARON R GROOM3 | 25275 HARDESTY LANE WESTON, MO 64098 | CONTINENTAL AMERICAN INSURANCE COMPANY | $768 | — | $768 | 2.54% |
| JERIAN CESONIS3 | 28912 E. HWY 2 HARRISONVILLE, MO 64701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $454 | — | $454 | 1.50% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | — | $179 | 0.59% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DRIVE NE, SUITE J RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.22% |
| MELISSA DOUGAN3 | 9125 NW MOORE ROAD PARKVILLE, MO 64153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.04% |
| AMY ZIMMERMAN3 Filed as: AMY LYNN ZIMMERMAN | 200 BROOKWOOD STREET LANSING, KS 66043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| MINDY M SKIDMORE3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| MELISSA DOUGAN3 Filed as: MELISSA DOUGAN LLC | 9125 NW MOORE ROAD PARKVILLE, MO 64153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MINDY SKIDMORE LLC3 | 3100 BROADWAY, SUITE 223 KANSAS CITY, MO 64111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 29.69% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $686 | $2K | 14.69% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | EYEMED VISION CARE | $1K | — | $1K | 8.42% |
| THREEFLOW3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $120 | — | $120 | 0.97% |
| JUDITH A CAMPBELL4 | 803 MAGNOLIA STREET RAYMORE, MO 64083 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $449 | — | $449 | 11.67% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $8K | — | $8K | — |
| ROBERT E. MILLER INSURANCE AGENCY3 | 903 EAST 104TH STREET, SUITE 800 KANSAS CITY, MO 64131 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | — |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 230 | $1.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 203 | $0 |
| Vision | EYEMED VISION CARE | 193 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $37K |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 400 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.