| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 430 E. DOUGLAS SUITE 400 WICHITA, KS 67202 | BLUE CROSS BLUE SHIELD OF KANSAS | $10K | — | $10K | 3.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $700 | $10K | 18.25% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $2K | $782 | $3K | 10.58% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $330 | $330 | 1.22% |
| IMA, INC.3 | 1705 17TH ST STE 100 DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.26% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $384 | — | $384 | 3.50% |
| JOHN A BACON3 Filed as: JOHN AVERY BACON | 30837 SPRING VALLEY RD PAOLA, KS 66071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | — | $182 | 1.66% |
| JAMES B PAYNE3 | 820 LINCOLN ST BALDWIN CITY, KS 66006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.78% |
| CONSTANCE NICOLE SCHMIDT3 | 924 S 6TH ST ATCHISON, KS 66002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.58% |
| JON R OVERACRE3 Filed as: JON ROYCE OVERACRE | 10502 W 133RD TERR APT 107 OVERLAND PARK, KS 66213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.50% |
| PERRY AND CARROLL INC.3 Filed as: PERRY W HENAULT | 4232 SW MISTY HARBOR DR TOPEKA, KS 66610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.33% |
| ROBERT C JOHNSTON3 | 826 S MORGAN DR PECULIAR, MO 64078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.20% |
| AARON KOLICH3 Filed as: AARON R KOLICH | 8907 W 105TH TER OVERLAND PARK, KS 66212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.14% |
| JASON SCOTT WHITE3 | 6334 STEVENSON ST SHAWNEE, KS 66218 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| CHRISTOPHER E FISCHER3 Filed as: CHRISTOPHER EUGENE FISCHER | 35035 N NORTH VALLEY PKWY APT 132A PHOENIX, AZ 85086 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| HAROLD W ELLIOTT LLC3 Filed as: HAROLD WAKLEY ELLIOTT | 15838 S 1ST AVE PHOENIX, AZ 85045 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| COREY J BAX3 | 1303 MEHMERT PACE JEFFERSON CITY, MO 65101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| EMILY MARIE EVANS3 | 2242 S SARATOGA MESA, AZ 85202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| RYAN KADAVY3 Filed as: RYAN LYLE KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $189 | — | $189 | 3.51% |
| GAYE S WRIGHT3 | 2760 JAMES LN SEDALIA, MO 65301 | AFLAC | $145 | — | $145 | 2.69% |
| AARON KOLICH3 | 8907 W 105TH OVERLAND PARK, KS 66212 | AFLAC | $114 | — | $114 | 2.12% |
| JAMES B PAYNE3 | 820 LINCOLN ST BALDWIN CITY, KS 66006 | AFLAC | $65 | — | $65 | 1.21% |
| JOHNATHAN COOK3 | 4665 W 188TH TER STILWELL, KS 66085 | AFLAC | $60 | — | $60 | 1.12% |
| JOHN A BACON3 | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $50 | — | $50 | 0.93% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 66002 | AFLAC | $29 | — | $29 | 0.54% |
| ADAM J STEIN3 Filed as: ADAM STEIN | 12113 WESTGATE ST OVERLAND PARK, KS 66213 | AFLAC | $28 | — | $28 | 0.52% |
| CONSTANCE N SCHMIDT3 | 924 S 6TH ST ATCHISON, KS 66002 | AFLAC | $22 | — | $22 | 0.41% |
| JOHN C MACKIE3 | 8408 LAVERN RD PLEASANT VALLEY, MO 64068 | AFLAC | $18 | — | $18 | 0.33% |
| BRYAN C SWYERS3 | 3219 EMERALD LN SUITE 800 JEFFERSON CITY, MO 65109 | AFLAC | $17 | — | $17 | 0.32% |
| JON R OVERACRE3 | 10502 W 133RD TER APT 107 OVERLAND PARK, KS 66213 | AFLAC | $16 | — | $16 | 0.30% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $15 | — | $15 | 0.28% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $11 | — | $11 | 0.20% |
| CHAD M POSTON3 | 2409 W ASH ST COLUMBIA, MO 65203 | AFLAC | $10 | — | $10 | 0.19% |
| PERRY HENAULT3 | 3221 SE BLAZING STAR DR TOPEKA, KS 66609 | AFLAC | $10 | — | $10 | 0.19% |
| JASON WHITE3 | 6334 STEVENSON ST SHAWNEE, KS 66218 | AFLAC | $9 | — | $9 | 0.17% |
| BYRON ALLEN BRAY3 | 111 MINNOCK DR MARS, PA 16046 | AFLAC | $9 | — | $9 | 0.17% |
| JOSHUA JONES3 | 1087 VIA PRINCIPALE NEW BRAUNFELS, TX 78132 | AFLAC | $6 | — | $6 | 0.11% |
| CHRISTOPHER M ASHTON3 | 5962 SCREAMING EAGLE LN COLUMBIA, MO 65201 | AFLAC | $5 | — | $5 | 0.09% |
| JAY P HIGGINS3 | 1530 RAX CT JEFFERSON CITY, MO 65109 | AFLAC | $5 | — | $5 | 0.09% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $4 | — | $4 | 0.07% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $4 | — | $4 | 0.07% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.06% |
| ASHTON CONSULTING INC3 Filed as: ASHTON CONSULTING INC. | 5962 SCREAMING EAGLE LN COLUBMIA, MO 65201 | AFLAC | $2 | — | $2 | 0.04% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES INC. | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $2 | — | $2 | 0.04% |
| ROBERT WRIGHT3 | 2760 JAMES LN SEDALIA, MO 65301 | AFLAC | $2 | — | $2 | 0.04% |
| ROBIN M CALLAWAY3 | 10201 W MARKHAM ST STE 203 LITTLE ROCK, AR 72205 | AFLAC | $1 | — | $1 | 0.02% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS | 529 | $250K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $24K |
| Life insurance | STANDARD INSURANCE COMPANY | 302 | $27K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 58 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $56K |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 435 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
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.