| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RPS BENEFITS INC3 | 5251 W 116TH ST STE 300 LEAWOOD, KS 662117821 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $55K | — | $55K | 4.09% |
| KRISTY GRAMLICH INC3 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $10K | $224 | $10K | 8.51% |
| K GRAMLICH INC3 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $2K | $83 | $2K | 2.04% |
| AMY ZIMMERMAN3 | 200 BROOKWOOD ST LANSING, KS 66043 | AFLAC | $2K | $120 | $2K | 1.93% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | AFLAC | $1K | $116 | $2K | 1.24% |
| JILL STRINGER3 | 13809 MEADOW LANE LEAWOOD, KS 66224 | AFLAC | $1K | $38 | $1K | 1.01% |
| CARMEN GERKE3 | 419 MESA CANYON DR BELTON, MO 64012 | AFLAC | $352 | — | $352 | 0.29% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $225 | — | $225 | 0.18% |
| RICHARD WALLACE3 | PO BOX 386 PECULIAR, MO 64078 | AFLAC | $199 | — | $199 | 0.16% |
| RPS BENEFITS INC3 | 5251 W 116TH PL LEAWOOD, KS 66211 | AFLAC | $59 | — | $59 | 0.05% |
| JOSEPH ZEZZA3 | 9855 N LEWIS AVE KANSAS CITY, MO 64157 | AFLAC | $51 | $7 | $58 | 0.05% |
| JEREMY FRYE3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $47 | — | $47 | 0.04% |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $26 | $5 | $31 | 0.03% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $26 | $5 | $31 | 0.03% |
| DAWN CIERPIOT3 | 10916 N WALLACE AVE KANSAS CITY, MO 64157 | AFLAC | $27 | — | $27 | 0.02% |
| SUSAN L MASCARO3 | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC | $22 | — | $22 | 0.02% |
| CHRISTI LANE FARNAN3 Filed as: CHRISTI FARNAN | 11193 CLUB VIEW DR SAINT JOSEPH, MO 64505 | AFLAC | $17 | — | $17 | 0.01% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $9 | — | $9 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA BAILEY3 | 354 LAKESIDE DR LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| JANET RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS, INC. | 5251 W 116TH PLACE STE 300 LEAWOOD, KS 66211 | USABLE LIFE | $5K | — | $5K | 15.00% |
| BLLUE CROSS BLUE SHIELD OF KC3 | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $3K | — | $3K | 10.00% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS, INC. | 5251 W 116TH PL STE 300 LEAWOOD, KS 662117821 | VISION SERVICE PLAN | $735 | — | $735 | 4.99% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY | 17500 CHENAL PARKWAY STE 150 LITTLE ROCK, AR 72223 | VISION SERVICE PLAN | $184 | — | $184 | 1.25% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS, INC | 5251 W 116TH PLACE STE 300 LEAWOOD, KS 66211 | USABLE LIFE | $1K | — | $1K | 10.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $678 | — | $678 | 6.00% |
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 | 327 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 327 | $1.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 327 | $1.3M |
| Vision | VISION SERVICE PLAN | 115 | $15K |
| Life insurance(2 contracts) | USABLE LIFE | 178 | $46K |
| Short-term disability | AFLAC | 120 | $122K |
| Other | USABLE LIFE | 178 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.