| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: IMA | 8200 E. 32ND STREET NORTH WICHITA, KS 67226 | BLUE CROSS BLUE SHIELD OF KANSAS | $61K | — | $61K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $652 | $10K | 18.03% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.59% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| IMA, INC.3 Filed as: IMA, INC | PO BOX 2992 STE A WICHITA, KS 67201 | AFLAC | $1K | — | $1K | 6.53% |
| JOHN A BACON3 | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $472 | — | $472 | 2.78% |
| JAMES B PAYNE3 | 820 LINCOLN ST BALDWIN CITY, KS 66006 | AFLAC | $403 | — | $403 | 2.38% |
| GAYE S WRIGHT3 | 2760 JAMES LN SEDALIA, MO 65301 | AFLAC | $398 | — | $398 | 2.35% |
| CONSTANCE N SCHMIDT3 | 924 S 6TH ST ATCHISON, KS 66002 | AFLAC | $375 | — | $375 | 2.21% |
| JULIA HADORN3 Filed as: JULIA R HADORN | 10778 S CARBONDALE ST OLATHE, KS 66061 | AFLAC | $237 | $40 | $277 | 1.63% |
| JON R OVERACRE3 | 10502 W 133RD TER APT 107 OVERLAND PARK, KS 66213 | AFLAC | $245 | $7 | $252 | 1.49% |
| CHRISTOPHER E FISCHER3 | 35035 N NORTH VALLEY PKWY APT 132A PHOENIX, AZ 85086 | AFLAC | $208 | — | $208 | 1.23% |
| HAROLD W ELLIOTT LLC3 Filed as: HAROLD W ELLIOT LLC | 15838 S 1ST AVE PHOENIX, AZ 85045 | AFLAC | $208 | — | $208 | 1.23% |
| JOHN A BACON3 | 11630 W 158TH TERRACE OVERLAND PARK, KS 66221 | AFLAC | $122 | — | $122 | 0.72% |
| SHARON COX3 | 23524 W 73RD TER SHAWNEE, KS 66227 | AFLAC | $107 | — | $107 | 0.63% |
| RYAN KADAVY3 | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $89 | — | $89 | 0.52% |
| EMILY MARIE EVANS3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $80 | — | $80 | 0.47% |
| PERRY HENAULT3 | 4323 SW MISTY HARBOR DR TOPEKA, KS 66610 | AFLAC | $78 | — | $78 | 0.46% |
| JASON SCOTT WHITE3 | 6334 STEVENSON STREET SHAWNEE, KS 66218 | AFLAC | $70 | — | $70 | 0.41% |
| JOHN A BACON3 | 13716 PARKHILL OVERLAND PARK, KS 66221 | AFLAC | $61 | — | $61 | 0.36% |
| FILIOE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | AFLAC | $60 | — | $60 | 0.35% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $60 | — | $60 | 0.35% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $56 | — | $56 | 0.33% |
| CHAD M POSTON3 | 3005 CHINABERRY DR STE A COLUMBIA, MO 65201 | AFLAC | $37 | — | $37 | 0.22% |
| BRYAN C SWYERS3 | 2429 HYDE PARK RD JEFFERSON CITY, MO 65109 | AFLAC | $31 | — | $31 | 0.18% |
| JOHN C MACKIE3 | 8408 LAVERN RD PLEASANT VALLEY, MO 64068 | AFLAC | $28 | — | $28 | 0.17% |
| BRADLEY K HARRISON3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $25 | — | $25 | 0.15% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $23 | — | $23 | 0.14% |
| BYRON ALLEN BRAY3 | 3214 18TH AVE BEAVER FALLS, PA 15010 | AFLAC | $14 | — | $14 | 0.08% |
| ROBERT WRIGHT3 | 2760 JAMES LN SEDALIA, MO 65301 | AFLAC | $12 | — | $12 | 0.07% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY T VANDERGRIFFE | 17934 HOMESTEAD BLUFFS DR WILDWOOD, MA 63005 | AFLAC | $11 | — | $11 | 0.06% |
| JOSHUA LEE JONES3 | 1087 VIA PRINICIPALE NEW BRAUNSFELS, TX 78132 | AFLAC | $10 | — | $10 | 0.06% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DR BONAIRE, GA 31005 | AFLAC | $9 | — | $9 | 0.05% |
| CHRISTOPHER M ASHTON3 | 3606 RIDGEVIEW DR STE 200 COLUMBIA, MO 65203 | AFLAC | $9 | — | $9 | 0.05% |
| BRADLEY K HARRISON3 | 3824 BENNINGTON LN JEFFERSON CITY, MO 65109 | AFLAC | $9 | — | $9 | 0.05% |
| EMILY MARIE EVANS3 | 2242 S SARATOGA DRIVE MESA, AZ 85202 | AFLAC | $8 | — | $8 | 0.05% |
| JAY P HIGGINS3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $7 | — | $7 | 0.04% |
| COURTNEY HURT3 | 5550 PONDEROSA DR WEST DES MOINES, IA 50266 | AFLAC | $7 | — | $7 | 0.04% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $7 | — | $7 | 0.04% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $7 | — | $7 | 0.04% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY T VANDERGRIFFE | 17934 HOMESTEAD BLUFFS DR WILDWOOD, MO 63005 | AFLAC | $6 | — | $6 | 0.04% |
| ASHTON CONSULTING INC3 | 3606 RIDGEVIEW DR STE 200 COLUMBIA, MO 65203 | AFLAC | $4 | — | $4 | 0.02% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $4 | — | $4 | 0.02% |
| JANEANE E BROCKMAN3 | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC | $3 | — | $3 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.02% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | AFLAC | $3 | — | $3 | 0.02% |
| HH ASSOCIATES LLC3 | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $2 | — | $2 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $2 | — | $2 | 0.01% |
| 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% |
| HH ASSOCIATES LLC3 | 3824 BENNINGTON LN JEFFERSON CITY, MO 65109 | 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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 598 | $2.4M |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS | 598 | $2.4M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 198 | $34K |
| Life insurance | STANDARD INSURANCE COMPANY | 309 | $48K |
| Short-term disability | AFLAC | 31 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $53K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 380 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.
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.