| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | AETNA LIFE INSURANCE COMPANY | $88K | $0 | $88K | 12.78% |
| BRENDA S. LAND3 Filed as: BRENDA S LAND | 2907 LAURIE DRIVE WEST PLAINS, MO 65775 | AFLAC | $10K | $195 | $10K | 5.36% |
| BRIAN C. LAND3 Filed as: BRIAN C LAND | 240 COUNTY ROAD, SUITE 191 DORA, MO 65637 | AFLAC | $10K | $155 | $10K | 5.27% |
| MJ INSURANCE3 Filed as: COREY BAX AND VARIOUS AGENTS | 6600 COLLEGE BOULEVARD, SUITE 305 OVERLAND PARK, KS 66211 | AFLAC | $6K | $50 | $6K | 3.31% |
| MARK E. CAMPBELL3 Filed as: MARK E CAMPBELL | 39 TEA CUP LANE LONG LANE, MO 65590 | AFLAC | $1K | $50 | $1K | 0.58% |
| CHAD M POSTON3 | 2721 INDUSTRIAL DRIVE, SUITE A JEFFERSON CITY, MO 65109 | AFLAC | $1K | $32 | $1K | 0.58% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD 2ND FLOOR, SUITE 200 ELLISVILLE, MO 63011 | AFLAC | $915 | $0 | $915 | 0.49% |
| BRADLEY K HARRISON3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $827 | $0 | $827 | 0.45% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | VCP SERVICES, INC - MISSOURI | $13K | $0 | $13K | 10.00% |
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 | 1,177 | 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) | 1,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 205 | $185K |
| Vision(2 contracts, 2 carriers) | AFLAC | 3,647 | $320K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,177 | $872K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,177 | $872K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,177 | $686K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,177 | $872K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,647 | — |
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.