| 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 | — | $52K | $52K | 3.85% |
| KRISTY GRAMLICH INC3 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $11K | $318 | $11K | 7.95% |
| AMY ZIMMERMAN3 | 200 BROOKWOOD ST LANSING, KS 66043 | AFLAC | $3K | $160 | $3K | 2.28% |
| K GRAMLICH INC3 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $3K | $98 | $3K | 2.04% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | AFLAC | $2K | $95 | $2K | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ALICIA BROWN | 527 BROOK MEADOW RD LANSING, KS 66043 | AFLAC | $572 | — | $572 | 0.40% |
| CARMEN GERKE3 | 419 MESA CANYON DR BELTON, MO 64012 | AFLAC | $362 | — | $362 | 0.25% |
| JILL STRINGER3 | 13809 MEADOW LANE LEAWOOD, KS 66224 | AFLAC | $239 | $16 | $255 | 0.18% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $237 | — | $237 | 0.17% |
| RICHARD WALLACE3 | PO BOX 386 PECULIAR, MO 64078 | AFLAC | $217 | — | $217 | 0.15% |
| JOSEPH ZEZZA3 | 448 RUSHFOIL DR COLUMBIA, SC 29229 | AFLAC | $193 | — | $193 | 0.14% |
| ADRIAN COOPER3 | 10 WEST 8TH STREET CARROLLTON, MO 64633 | AFLAC | $159 | — | $159 | 0.11% |
| ROSA ROME3 | 1713 NW CLUBHOUSE DR KANSAS CITY, MO 64156 | AFLAC | $116 | — | $116 | 0.08% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $100 | — | $100 | 0.07% |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $100 | — | $100 | 0.07% |
| RPS BENEFITS INC3 | 5251 W 116TH PLACE STE 300 LEAWOOD, KS 66211 | AFLAC | $72 | — | $72 | 0.05% |
| JEREMY FRYE3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $52 | — | $52 | 0.04% |
| DAWN CIERPIOT3 | 10916 N WALLACE AVE KANSAS CITY, MO 64157 | AFLAC | $29 | — | $29 | 0.02% |
| SUSAN L MASCARO3 | 4267 WORDSWORTH WAY VENICE, FL 34293 | AFLAC | $24 | — | $24 | 0.02% |
| CHRISTI LANE FARNAN3 Filed as: CHRISTI FARNAN | 11193 CLUB VIEW DR SAINT JOSEPH, MO 64505 | AFLAC | $18 | — | $18 | 0.01% |
| BONNIE MILLER3 | 401 NORTH RIDGE TERRACE HANOVER, KS 66945 | AFLAC | $14 | — | $14 | 0.01% |
| JAMES M FLETCHER3 Filed as: JAMES FLETCHER | 131 N SANTA FE AVE STE 140 SALINA, KS 67401 | AFLAC | $12 | — | $12 | 0.01% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $10 | — | $10 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $9 | — | $9 | 0.01% |
| GWEN AYLWARD3 | 2630 FARM BUREAU RD STE A MANHATTAN, KS 66502 | AFLAC | $4 | — | $4 | 0.00% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LN HAYS, KS 67601 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARKYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC | $3 | — | $3 | 0.00% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.00% |
| DONNA BAILEY3 | 902 S ANN DR MARSHALL, MO 65340 | AFLAC | $1 | — | $1 | 0.00% |
| JANET RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN A BACON3 Filed as: JOHN BACON | 13716 PARKHILL OVERLAND PARK, KS 66221 | 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 | $4K | — | $4K | 10.00% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS, INC. | 5251 W 116TH PL STE 300 LEAWOOD, KS 662117821 | VISION SERVICE PLAN | $953 | — | $953 | 6.07% |
| RPS BENEFITS INC3 | 5251 W 116TH PL 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 | $692 | — | $692 | 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 | 304 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 304 | $1.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 304 | $1.3M |
| Vision | VISION SERVICE PLAN | 114 | $16K |
| Life insurance(2 contracts) | USABLE LIFE | 168 | $47K |
| Short-term disability | AFLAC | 125 | $143K |
| Other | USABLE LIFE | 168 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.