| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $66K | $68K | 5.00% |
| SHANNON N SMITH3 | 1525 SE PICCADILLY ST BLUE SPRINGS, MO 64014 | AFLAC | $9K | — | $9K | 6.97% |
| KRISTI MCGREGOR3 | 212 SW ASCOT CIR LEES SUMMIT, MO 64082 | AFLAC | $7K | $351 | $7K | 5.66% |
| DANA HOWARD3 | 601 SE 3RD ST LEES SUMMIT, MO 64063 | AFLAC | $4K | — | $4K | 3.48% |
| LINDEE M WARD3 | 6522 NW HIDDEN VALLEY RD PARKVILLE, MO 64152 | AFLAC | $3K | $308 | $4K | 3.04% |
| THE LUTHER GROUP LLC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $3K | $36 | $3K | 2.34% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $2K | — | $2K | 1.49% |
| JAMES E VOGELAAR3 Filed as: JAMES J DUPLESSIS | 601 HENRY LANDRY AVE METAIRIE, LA 70003 | AFLAC | $1K | $127 | $1K | 1.03% |
| K GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $815 | $62 | $877 | 0.70% |
| CAROLE A JONES3 | PO BOX 25 RICHMOND, MO 64085 | AFLAC | $851 | — | $851 | 0.68% |
| CHAD J BASLER3 | 460 NE LAKES EDGE DR LEES SUMMIT, MO 64064 | AFLAC | $345 | — | $345 | 0.28% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PL KANSAS CITY, MO 64118 | AFLAC | $293 | $26 | $319 | 0.26% |
| ANDREW JAMES VOGELAAR3 | 4341 FOLSE DR METAIRIE, LA 70006 | AFLAC | $259 | $25 | $284 | 0.23% |
| JAMES E VOGELAAR3 | 4341 FOLSE DR METAIRIE, LA 70006 | AFLAC | $235 | $25 | $260 | 0.21% |
| SCOTT C MARTINA3 | 4924 CLEVELAND PL METAIRIE, LA 70003 | AFLAC | $188 | — | $188 | 0.15% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD, STE B LIBERTY, MO 64068 | AFLAC | $165 | — | $165 | 0.13% |
| CAMERIN A LEWIS3 | 9117 N DALTON AVE KANSAS CITY, MO 64154 | AFLAC | $150 | — | $150 | 0.12% |
| OLIVETTE B LEWIS3 | PO BOX 6127 NEW ORLEANS, LA 70174 | AFLAC | $103 | — | $103 | 0.08% |
| CRAIG W WARD3 | 7808 N HOLLY ST, APT 9 KANSAS CITY, MO 64118 | AFLAC | $87 | — | $87 | 0.07% |
| HEATHER M HEATON3 | 3203 NAPOLEON AVE NEW ORLEANS, LA 70125 | AFLAC | $76 | — | $76 | 0.06% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $51 | — | $51 | 0.04% |
| PENNY K WRIGHT3 | 9204 N GOWER AVE KANSAS CITY, MO 64154 | AFLAC | $38 | — | $38 | 0.03% |
| JAMES E VOGELAAR3 | 150 GRUNER RD METAIRIE, LA 70001 | AFLAC | $28 | — | $28 | 0.02% |
| PENNY K WRIGHT3 | 12080 SE STATE, ROUTE A SAINT JOSEPH, MO 64507 | AFLAC | $26 | — | $26 | 0.02% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $25 | — | $25 | 0.02% |
| EDWARD L MARTINA JR3 | 4101 LAKE TRAIL DR KENNER, LA 70065 | AFLAC | $25 | — | $25 | 0.02% |
| ROCKY B CUNNINGHAM JR3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $23 | — | $23 | 0.02% |
| MISTY DETIVEAUX3 Filed as: MISTY LYNN DETIVEAUX | 735 BAYOU DULARGE RD HOUMA, LA 70363 | AFLAC | $20 | — | $20 | 0.02% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $20 | — | $20 | 0.02% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $13 | — | $13 | 0.01% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD, STE B LIBERTY, MO 64068 | AFLAC | $8 | — | $8 | 0.01% |
| KYNLEE CUNNINGHAM3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $5 | — | $5 | 0.00% |
| RYAN BENTON WILLIAMS3 | 12526 LAKE LAMOND AVE BATON ROUGE, LA 70816 | AFLAC | $3 | — | $3 | 0.00% |
| AMY BARYLAK3 Filed as: AMY J BARYLAK | 9421 SAINT ANDREWS CT DENHAM SPRINGS, LA 70726 | AFLAC | $2 | — | $2 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $407 | — | $407 | 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 | 102 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 89 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 89 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $4K |
| Short-term disability | AFLAC | 116 | $125K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $20K |
| Other(2 contracts, 2 carriers) | AFLAC | 171 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.