| 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 | $69K | 5.04% |
| SHANNON N SMITH3 | 1525 SE PICCADILLY ST BLUE SPRINGS, MO 64014 | AFLAC | $17K | $281 | $17K | 10.24% |
| RENEE JONES3 | 5805 N SPRUCE AVE KANSAS CITY, MO 64119 | AFLAC | $11K | — | $11K | 6.22% |
| THE LUTHER GROUP LLC3 | 6620 NW DEARING DR PARKVILLE, MO 64152 | AFLAC | $4K | $106 | $4K | 2.66% |
| LINDEE M WARD3 | 6522 NW HIDDEN VALLEY RD PARKVILLE, MO 64152 | AFLAC | $2K | — | $2K | 1.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $1K | — | $1K | 0.78% |
| DAVID PRATHER3 | 96 W CHURCH STREET SMITIHVILLE, MO 64089 | AFLAC | $873 | — | $873 | 0.52% |
| DANA HOWARD3 | 601 SE 3RD ST LEES SUMMIT, MO 64063 | AFLAC | $485 | — | $485 | 0.29% |
| K GRAMLICH INC3 | 2301 BURLINGTON ST SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $459 | — | $459 | 0.27% |
| AMY LORRAINE LUTHER3 | 6620 NW DEARING DR PARKVILLE, MO 64152 | AFLAC | $434 | — | $434 | 0.26% |
| JAMES E VOGELAAR3 Filed as: JAMES J DUPLESSIS | 601 HENRY LANDRY AVE METAIRIE, LA 70003 | AFLAC | $381 | — | $381 | 0.23% |
| CHAD J BASLER3 | 460 NE LAKES EDGE DR LEES SUMMIT, MO 64064 | AFLAC | $265 | — | $265 | 0.16% |
| ERIK J MCQUISTON3 | 131 E KANSAS AVE INDEPENDENCE, MO 64050 | AFLAC | $173 | $19 | $192 | 0.11% |
| MIRANDA MANUS3 | 510 E SEYBOLD ROAD EXCELSIOR SPRINGS, MO 64024 | AFLAC | $187 | — | $187 | 0.11% |
| SCOTT C MARTINA3 | 4924 CLEVELAND PL METAIRIE, LA 70003 | AFLAC | $186 | — | $186 | 0.11% |
| JAMES E VOGELAAR3 | 4341 FOLSE DR METAIRIE, LA 70006 | AFLAC | $181 | — | $181 | 0.11% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PL KANSAS CITY, MO 64118 | AFLAC | $147 | — | $147 | 0.09% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD, STE B LIBERTY, MO 64068 | AFLAC | $116 | — | $116 | 0.07% |
| CAROLE A JONES3 | PO BOX 25 RICHMOND, MO 64085 | AFLAC | $103 | — | $103 | 0.06% |
| ROBERT C JOHNSON3 | 1000 W FOXWOOD DRIVE SUITE 300 RAYMORE, MO 64083 | AFLAC | $101 | — | $101 | 0.06% |
| CRAIG W WARD3 | 7808 N HOLLY ST, APT 9 KANSAS CITY, MO 64118 | AFLAC | $97 | — | $97 | 0.06% |
| HEATHER M HEATON3 | 3203 NAPOLEON AVE NEW ORLEANS, LA 70125 | AFLAC | $86 | — | $86 | 0.05% |
| ANDREW JAMES VOGELAAR3 | 4341 FOLSE DR METAIRIE, LA 70006 | AFLAC | $80 | — | $80 | 0.05% |
| STACEY SHANNON3 | 36105 E CASEY ROAD LONE JACK, MO 64070 | AFLAC | $78 | — | $78 | 0.05% |
| OLIVETTE B LEWIS3 | PO BOX 6127 NEW ORLEANS, LA 70174 | AFLAC | $70 | — | $70 | 0.04% |
| TARA M HELLER3 | 10428 N POTTER AVE KANSAS CITY, MO 64157 | AFLAC | $67 | — | $67 | 0.04% |
| PENNY K WRIGHT3 | 308 NE 82ND TER KANSAS CITY, MO 64118 | AFLAC | $65 | — | $65 | 0.04% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $37 | — | $37 | 0.02% |
| EDWARD L MARTINA JR3 | 4101 LAKE TRAIL DR KENNER, LA 70065 | AFLAC | $24 | — | $24 | 0.01% |
| ROCKY B CUNNINGHAM JR3 | PO BOX 84478 BATON ROUGE, LA 70884 | AFLAC | $22 | — | $22 | 0.01% |
| MISTY DETIVEAUX3 Filed as: MISTY LYNN DETIVEAUX | 735 BAYOU DULARGE RD HOUMA, LA 70363 | AFLAC | $19 | — | $19 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $18 | — | $18 | 0.01% |
| DENISE R MUSTOE3 | 8942 N LEWIS AVE KANSAS CITY, MO 64157 | AFLAC | $10 | — | $10 | 0.01% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $9 | — | $9 | 0.01% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD, STE B LIBERTY, MO 64068 | AFLAC | $7 | — | $7 | 0.00% |
| 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 | 14.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $443 | — | $443 | 10.89% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 85 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 85 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $4K |
| Short-term disability | AFLAC | 127 | $169K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $22K |
| Other(2 contracts, 2 carriers) | AFLAC | 177 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.