| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $26K | $6K | $33K | 6.20% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4K | $925 | $5K | 19.12% |
| KANSAS BENEFIT COUNSELORS LLC3 | 5211 W 156TH ST OVERLAND PARK, KS 66224 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2K | $1K | $4K | 13.05% |
| CONSTANCE NICOLE SCHMIDT3 | 4709 NE 104TH ST KANSAS CITY, MO 64156 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2K | $675 | $2K | 8.62% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE RD WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $735 | $372 | $1K | 3.94% |
| DANIEL RINEBERG3 | 5512 SW 32ND TER TOPEKA, KS 66614 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $110 | $38 | $148 | 0.53% |
| JESSICA WRANICH3 | 5701 N WYOMING AVE KANSAS CITY, MO 64118 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $136 | — | $136 | 0.48% |
| MELISSA K PERCELL3 | 731 PLEASANT ST DENVER, MO 64441 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $100 | $3 | $103 | 0.37% |
| GARY M. UPAH3 Filed as: GARY M UPAH | 5211 W 156TH ST OVERLAND PARK, KS 66224 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $72 | — | $72 | 0.26% |
| WENDY HORAK3 | 6321 NW HUMPHREY RD TOPEKA, KS 66618 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $33 | — | $33 | 0.12% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $20 | $8 | $28 | 0.10% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY LLC DBA PHILLI | PO BOX 191 SEDALIA, MO 65302 | HUMANA INSURANCE COMPANY | -$215 | $3K | $3K | 13.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 404 W BROADWAY SEDALIA, MO 65301 | HUMANA INSURANCE COMPANY | $2K | $800 | $3K | 12.48% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI | 404 W BROADWAY BLVD SEDALIA, MO 65301 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $155 | $2K | 11.06% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $89 | $89 | 0.46% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 404 W BROADWAY BLVD SEDALIA, MO 65301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $73 | $406 | 29.51% |
| CONSTANCE NICOLE SCHMIDT3 | 4709 NE 104TH ST KANSAS CITY, MO 64156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $67 | $238 | 17.30% |
| KANSAS BENEFIT COUNSELORS LLC3 | 5211 W 156TH ST OVERLAND PARK, KS 66224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $79 | $199 | 14.46% |
| SUSAN MARIE WEITKAMP3 | 246 FIDDLECREEK RIDGE RD WENTZVILLE, MO 63385 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $27 | $74 | 5.38% |
| DANIEL RINEBERG3 | 5112 SW 32ND TER TOPEKA, KS 66614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $4 | $17 | 1.24% |
| MELISSA K PERCELL3 | 731 PLEASANT ST DENVER, MO 64441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.07% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 88 | $525K |
| Dental | HUMANA INSURANCE COMPANY | 84 | $23K |
| Vision | HUMANA INSURANCE COMPANY | 84 | $23K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE CO | 126 | $49K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $19K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE CO | 63 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.