| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $36K | $17K | $53K | 6.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $833 | $3K | 5.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $173 | $3K | 13.92% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $132 | $2K | 10.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $838 | — | $838 | 6.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $84 | $1K | 12.42% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 600 KANSAS CITY, MO 64112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $58 | $2K | 20.53% |
| RICHARD N WALLACE3 Filed as: RICHARD N. WALLACE | PO BOX 386 PECULIAR, MO 64078 | AFLAC | $177 | — | $177 | 8.58% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH INC. | 7509 NW TIFFANY SPRINGS PARKWAY SUITE 100 KANSAS CITY, MO 64153 | AFLAC | $52 | — | $52 | 2.52% |
| TERRANCE GREENE3 | 11318 WOODWARD STREET OVERLAND PARK, KS 66210 | AFLAC | $35 | — | $35 | 1.70% |
| FRANK M KING IV3 Filed as: FRANK M. KING IV | 9605 WEST 115TH TERRACE OVERLAND PARK, KS 66210 | AFLAC | $32 | — | $32 | 1.55% |
| VICKI L JOHANSEN3 Filed as: VICKI L. JOHANSEN | 14841 WALMER STREET OVERLAND PARK, KS 66223 | AFLAC | $26 | — | $26 | 1.26% |
| BRIAN MILLS3 | 1116 REMINGTON PLAZA, SUITE A RAYMORE, MO 64083 | AFLAC | $21 | — | $21 | 1.02% |
| K GRAMLICH INC Filed as: K GRAMLICH INC. | 7509 NW TIFFANY SPRINGS PARKWAY SUITE 100 KANSAS CITY, MO 64153 | AFLAC | $20 | — | $20 | 0.97% |
| JILL STRINGER3 Filed as: JILL JOELLE STRINGER | 13809 MEADOW LANE LEAWOOD, KS 66224 | AFLAC | $15 | — | $15 | 0.73% |
| CARMEN GERKE3 Filed as: CARMEN A GERKE | 11112 KENT DRIVE BELTON, MO 64012 | AFLAC | $15 | — | $15 | 0.73% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE & ASSOCIATES INC. | 1508 N. CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $5 | — | $5 | 0.24% |
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 | 225 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 215 | $846K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $64K |
| Vision | VISION SERVICE PLAN | 150 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $24K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.