| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RPS BENEFITS INC3 Filed as: RPS BENEFITS BY DESI | 6800 COLLEGE BLVD STE 500 LEAWOOD, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 2.30% |
| RPS BENEFITS INC3 | 5251 W 116TH PL STE 300 LEAWOOD, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| KRISTY GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $10K | $463 | $11K | 8.06% |
| K GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $3K | $195 | $3K | 2.21% |
| AMY ZIMMERMAN3 | 200 BROOKWOOD ST LANSING, KS 66043 | AFLAC | $1K | $40 | $1K | 0.96% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | AFLAC | $744 | $73 | $817 | 0.60% |
| DAVID PRATHER3 | 448 WASHINGTON ST STE A CHILLICOTHE, MO 64601 | AFLAC | $693 | $11 | $704 | 0.52% |
| JILL STRINGER3 | 13809 MEADOW LANE LEAWOOD, KS 66224 | AFLAC | $566 | — | $566 | 0.42% |
| CARMEN GERKE3 | 419 MESA CANYON DR BELTON, MO 64012 | AFLAC | $311 | — | $311 | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ALICIA BROWN | 527 BROOK MEADOW RD LANSING, KS 66043 | AFLAC | $233 | $20 | $253 | 0.19% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $196 | — | $196 | 0.14% |
| JOSEPH ZEZZA3 | 448 RUSHFOIL DR COLUMBIA, SC 29229 | AFLAC | $157 | — | $157 | 0.12% |
| RICHARD WALLACE3 | PO BOX 277 PLEASANT HILL, MO 64080 | AFLAC | $121 | — | $121 | 0.09% |
| LINDEE WARD3 | 6522 NW HIDDEN VALLEY RD PARKVILLE, MO 64152 | AFLAC | $87 | — | $87 | 0.06% |
| PENNY K WRIGHT3 Filed as: PENNY WRIGHT | 9204 N GOWER AVE KANSAS CITY, MO 64154 | AFLAC | $82 | — | $82 | 0.06% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $81 | — | $81 | 0.06% |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $81 | — | $81 | 0.06% |
| RPS BENEFITS INC3 | 5251 W 116TH PLACE STE 300 LEAWOOD, KS 66211 | AFLAC | $73 | — | $73 | 0.05% |
| CHRISTI LANE FARNAN3 Filed as: CHRISTI FARNAN | 11193 CLUB VIEW DR SAINT JOSEPH, MO 64505 | AFLAC | $57 | $10 | $67 | 0.05% |
| JEREMY FRYE3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $52 | — | $52 | 0.04% |
| HEATHER MCGUIRE-DUNPHY3 | 19113 SWITCHGRASS CT SMITHVILLE, MO 64089 | AFLAC | $33 | $14 | $47 | 0.03% |
| DAWN CIERPIOT3 | 10916 N WALLACE AVE KANSAS CITY, MO 64157 | AFLAC | $29 | — | $29 | 0.02% |
| BONNIE MILLER3 | 401 NORTH RIDGE TERRACE HANOVER, KS 66945 | AFLAC | $15 | — | $15 | 0.01% |
| DENISE R MUSTOE3 Filed as: DENISE MUSTOE | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $15 | — | $15 | 0.01% |
| THE LUTHER GROUP LLC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $14 | — | $14 | 0.01% |
| TARA M HELLER3 Filed as: TARA HELLER | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $14 | — | $14 | 0.01% |
| JAMES M FLETCHER3 Filed as: JAMES FLETCHER | 131 N SANTA FE AVE STE 140 SALINA, KS 67401 | AFLAC | $13 | — | $13 | 0.01% |
| NICOLE BETH JENKINS3 Filed as: NICOLE JENKINS | 131 N SANTA FE AVE STE 140 SALINA, KS 67401 | AFLAC | $12 | — | $12 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $10 | — | $10 | 0.01% |
| CHAD J BASLER3 Filed as: CHAD BASLER | 460 NE LAKES EDGE DR LEES SUMMIT, MO 64064 | AFLAC | $6 | — | $6 | 0.00% |
| SUSAN L MASCARO3 | 4267 WORDSWORTH WAY VENICE, FL 34293 | AFLAC | $6 | — | $6 | 0.00% |
| GWEN AYLWARD3 | 2630 FARM BUREAU RD STE A MANHATTAN, KS 66502 | AFLAC | $5 | — | $5 | 0.00% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $5 | — | $5 | 0.00% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LN HAYS, KS 67601 | AFLAC | $4 | — | $4 | 0.00% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARKYK | 157 LONG MEADOW LN ROTONDA WEST, FL 33947 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN A BACON3 Filed as: JOHN BACON | 11630 W 158TH TER OVERLAND PARK, KS 66221 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $1 | — | $1 | 0.00% |
| JANET RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA BAILEY3 | 902 S ANN DR MARSHALL, MO 65340 | AFLAC | $1 | — | $1 | 0.00% |
| RPS BENEFITS INC3 | 5251 W 116TH PL 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 | USABLE LIFE | $891 | — | $891 | 9.99% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KC | 2301 MAIN STREET KANSAS CITY, MO 64108 | USABLE LIFE | $535 | — | $535 | 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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $1.4M |
| Life insurance(2 contracts) | USABLE LIFE | 162 | $44K |
| Short-term disability | AFLAC | 114 | $136K |
| Other | USABLE LIFE | 162 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
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.