| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | PO BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 2.91% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 0.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVS INC | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $9K | — | $9K | 5.68% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVS INC | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 5.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $539 | $8K | 16.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.18% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $131 | — | $131 | 0.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $332 | — | $332 | 1.00% |
| GAYE S WRIGHT3 | 2760 JAMES LN SEDALIA, MO 65301 | AFLAC | $488 | — | $488 | 5.25% |
| JULIA HADORN3 Filed as: JULIA R HADORN | 10778 S CARBONDALE ST OLATHE, KS 66061 | AFLAC | $397 | — | $397 | 4.27% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $69 | — | $69 | 0.74% |
| CHAD M POSTON3 | 2721 INDUSTRIAL DR STE A JEFFERSON CITY, MO 65109 | AFLAC | $46 | — | $46 | 0.50% |
| JON R OVERACRE3 | 10502 W 133RD TER APT 107 OVERLAND PARK, KS 66213 | AFLAC | $46 | — | $46 | 0.50% |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $40 | — | $40 | 0.43% |
| BRYAN C SWYERS3 | 2429 HYDE PARK RD JEFFERSON CITY, MO 65109 | AFLAC | $39 | — | $39 | 0.42% |
| JOHN C MACKIE3 | 8408 LAVERN RD PLEASANT VALLEY, MO 64068 | AFLAC | $31 | — | $31 | 0.33% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $25 | — | $25 | 0.27% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY T VANDERGRIFFE | 17934 HOMESTEAD BLUFFS DR WILDWOOD, MA 63005 | AFLAC | $19 | — | $19 | 0.20% |
| BYRON ALLEN BRAY3 | 3214 18TH AVE BEAVER FALLS, PA 15010 | AFLAC | $16 | — | $16 | 0.17% |
| ROBERT WRIGHT3 | 2760 JAMES LN SEDALIA, MO 65301 | AFLAC | $13 | — | $13 | 0.14% |
| JOSHUA LEE JONES3 | 1087 VIA PRINICIPALE NEW BRAUNSFELS, TX 78132 | AFLAC | $11 | — | $11 | 0.12% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $9 | — | $9 | 0.10% |
| CHRISTOPHER M ASHTON3 | 3606 RIDGEVIEW DR STE 200 COLUMBIA, MO 65203 | AFLAC | $9 | — | $9 | 0.10% |
| JAY P HIGGINS3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $8 | — | $8 | 0.09% |
| COURTNEY HURT3 | 5550 PONDEROSA DR WEST DES MOINES, IA 50266 | AFLAC | $8 | — | $8 | 0.09% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $7 | — | $7 | 0.08% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $7 | — | $7 | 0.08% |
| ALEXANDER I MIRO3 | 7160 DALLAS PKWY SUITE 250 PLANO, TX 75024 | AFLAC | $7 | — | $7 | 0.08% |
| CHRISTOPHER M ASHTON3 | 3606 RIDGEVIEW DR STE 200 COLUMBIA, MO 65203 | AFLAC | $6 | — | $6 | 0.06% |
| CHAD M POSTON3 | 3005 CHINABERRY DR STE A COLUMBIA, MO 65201 | AFLAC | $5 | — | $5 | 0.05% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DR STE 200 COLUMBIA, MO 65203 | AFLAC | $4 | — | $4 | 0.04% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $4 | — | $4 | 0.04% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $3 | — | $3 | 0.03% |
| JANEANE E BROCKMAN3 | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC | $3 | — | $3 | 0.03% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.03% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $3 | — | $3 | 0.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $2 | — | $2 | 0.02% |
| ROBIN M CALLAWAY3 | 10201 W MARKHAM ST STE 203 LITTLE ROCK, AR 72205 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN D NEUNER3 Filed as: BRIAN D NUENER | 7651 E HIGHWAY WW COLUMBIA, MO 65201 | AFLAC | $1 | — | $1 | 0.01% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 513 | $2.6M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 197 | $216K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 189 | $33K |
| Life insurance | STANDARD INSURANCE COMPANY | 298 | $40K |
| Short-term disability | AFLAC | 34 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $47K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 350 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
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.