| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RPS BENEFITS INC3 Filed as: RPS BENEFITS, INC. | 5251 W 116TH PL STE 300 LEAWOOD, KS 66211 | UNITED HEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 4.00% |
| KRISTY GRAMLICH INC3 | 7509 NW TIFFANY SPRINGS PKWY SUITE 100 KANSAS CITY, MO 64153 | AFLAC | $13K | $3K | $16K | 11.40% |
| K GRAMLICH INC3 | 7509 NW TIFFANY SPRINGS PKWY 100 KANSAS CITY, MO 64153 | AFLAC | $3K | $769 | $4K | 2.81% |
| AMY ZIMMERMAN3 Filed as: AMY LYNN ZIMMERMAN | 200 BROOKWOOD ST LANSING, KS 66043 | AFLAC | $2K | $355 | $3K | 2.07% |
| JILL STRINGER3 Filed as: JILL JOELLE STRINGER | 13809 MEADOW LANE LEAWOOD, KS 66224 | AFLAC | $2K | $682 | $3K | 2.03% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | AFLAC | $2K | $119 | $2K | 1.71% |
| CARMEN GERKE3 | 1112 KENT DRIVE BELTON, MO 64012 | AFLAC | $1K | $439 | $2K | 1.12% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $645 | $748 | $1K | 1.02% |
| RICHARD N WALLACE3 | PO BOX 386 PECULIAR, MO 64078 | AFLAC | $488 | $202 | $690 | 0.51% |
| DORIS E SUMMERS | 1402 SW LOGOS DR LEES SUMMIT, MO 64081 | AFLAC | $124 | — | $124 | 0.09% |
| RPS BENEFITS INC3 | 5251 W 116TH PL LEAWOOD, KS 66211 | AFLAC | $67 | — | $67 | 0.05% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $41 | — | $41 | 0.03% |
| SUSAN L MASCARO | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC | $24 | — | $24 | 0.02% |
| CHRISTI LANE FARNAN3 | 3109 NW OAKCREST DR KANSAS CITY, MO 64151 | AFLAC | $20 | — | $20 | 0.01% |
| THE C & S GROUP INC3 | 2301 BURLINGTON ST SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $18 | — | $18 | 0.01% |
| STACY L BASLER3 | 6210 NE FAIRVIEW RD LEE SUMMIT, MO 64064 | AFLAC | $15 | — | $15 | 0.01% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $14 | — | $14 | 0.01% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $8 | — | $8 | 0.01% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $6 | — | $6 | 0.00% |
| MINDY SKIDMORE LLC3 | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $5 | — | $5 | 0.00% |
| MIKE KEITH3 Filed as: MIKE KEITH INS INC | PO BOX 388 CLINTON, MO 64735 | AFLAC | $5 | — | $5 | 0.00% |
| MARY R TOSTENSON3 | 11740 S SUMAC STREET OLATHE, KS 66061 | AFLAC | $5 | — | $5 | 0.00% |
| THOMAS J PITZENBERGER3 | 1200 NW SOUTH OUTER RD STE 116 BLUE SPRINGS, MO 64015 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $2 | — | $2 | 0.00% |
| RPS BENEFITS INC3 | 5251 W 116TH ST STE 300 LEAWOOD, KS 662117821 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $4K | $14K | 10.86% |
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 | 429 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $127K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $127K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 429 | $127K |
| Short-term disability | AFLAC | 111 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
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.