| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RPS BENEFITS INC3 Filed as: RPS BENEFITS BY DESIGN INC. | 6800 COLLEGE BLVD STE 500 LEAWOOD, KS 66211 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 3.41% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH INC. | 2301 BURLINGTON ST SUITE 200 KANSAS CITY, MO 64116 | AFLAC | $10K | $21 | $10K | 7.05% |
| K GRAMLICH INC3 | 2301 BURLINGTON ST SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $4K | $5 | $4K | 3.12% |
| KRISTY GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $2K | $543 | $3K | 2.07% |
| THE LUTHER GROUP LLC3 | 6620 NW DEARING DR PARKVILLE, MO 64152 | AFLAC | $1K | $138 | $1K | 0.98% |
| K GRAMLICH INC | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $834 | $137 | $971 | 0.71% |
| AMY ZIMMERMAN3 | 200 BROOKWOOD ST LANSING, KS 66043 | AFLAC | $815 | — | $815 | 0.60% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | AFLAC | $468 | — | $468 | 0.34% |
| JILL STRINGER3 | 13809 MEADOW LANE LEAWOOD, KS 66224 | AFLAC | $467 | — | $467 | 0.34% |
| CARMEN GERKE3 | 419 MESA CANYON DR BELTON, MO 64012 | AFLAC | $262 | — | $262 | 0.19% |
| DAVID PRATHER3 | 448 WASHINGTON ST STE A CHILLICOTHE, MO 64601 | AFLAC | $185 | — | $185 | 0.14% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $154 | — | $154 | 0.11% |
| CONSTANCE I LAGER | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $124 | — | $124 | 0.09% |
| RICHARD WALLACE3 | PO BOX 277 PLEASANT HILL, MO 64080 | AFLAC | $107 | — | $107 | 0.08% |
| DENISE R MUSTOE3 Filed as: DENISE MUSTOE | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $82 | — | $82 | 0.06% |
| LINDEE WARD3 | 6522 NW HIDDEN VALLEY RD PARKVILLE, MO 64152 | AFLAC | $81 | — | $81 | 0.06% |
| TARA M HELLER3 Filed as: TARA HELLER | 10428 N POTTER AVE KANSAS CITY, MO 64157 | AFLAC | $65 | — | $65 | 0.05% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC | $63 | — | $63 | 0.05% |
| JENNIFER SMITH3 | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $63 | — | $63 | 0.05% |
| PENNY K WRIGHT3 Filed as: PENNY WRIGHT | 308 NE 82ND TERR KANSAS CITY, MO 64118 | AFLAC | $62 | — | $62 | 0.05% |
| RPS BENEFITS INC3 | 5251 W 116TH PLACE STE 300 LEAWOOD, KS 66211 | AFLAC | $56 | — | $56 | 0.04% |
| NICOLE BETH JENKINS3 Filed as: NICOLE JENKINS | 2301 BURLINGTON ST STE 200 KANSAS CITY, MO 64116 | AFLAC | $54 | — | $54 | 0.04% |
| JEREMY FRYE3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $46 | — | $46 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ALICIA BROWN | 527 BROOK MEADOW RD LANSING, KS 66043 | AFLAC | $32 | — | $32 | 0.02% |
| CHAD J BASLER3 Filed as: CHAD BASLER | 460 NE LAKES EDGE DR LEES SUMMIT, MO 64064 | AFLAC | $30 | — | $30 | 0.02% |
| DAWN CIERPIOT3 | 10916 N WALLACE AVE KANSAS CITY, MO 64157 | AFLAC | $27 | — | $27 | 0.02% |
| CHRISTI LANE FARNAN3 Filed as: CHRISTI FARNAN | 11193 CLUB VIEW DR SAINT JOSEPH, MO 64505 | AFLAC | $25 | — | $25 | 0.02% |
| BONNIE MILLER3 | 401 NORTH RIDGE TERRACE HANOVER, KS 66945 | AFLAC | $16 | — | $16 | 0.01% |
| JAMES M FLETCHER3 Filed as: JAMES FLETCHER | 131 N SANTA FE AVE STE 140 SALINA, KS 67401 | AFLAC | $15 | — | $15 | 0.01% |
| PENNY K WRIGHT | 9204 N GOWER AVE KANSAS CITY, MO 64154 | AFLAC | $14 | — | $14 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $11 | — | $11 | 0.01% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $9 | — | $9 | 0.01% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS BY DESIGN INC. | 5251 W 116TH PL SUITE 300 LEAWOOD, KS 66211 | AFLAC | $6 | — | $6 | 0.00% |
| GWEN AYLWARD3 | 2777 LANDMARK DR LONGFORD, KS 67458 | AFLAC | $5 | — | $5 | 0.00% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LN HAYS, KS 67601 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARKYK | 3972 HOLLIS AVE PORT CHARLOTTE, FL 33953 | AFLAC | $3 | — | $3 | 0.00% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $2 | — | $2 | 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% |
| JOHN A BACON3 Filed as: JOHN BACON | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $1 | — | $1 | 0.00% |
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 | 338 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 338 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 338 | $1.4M |
| Short-term disability | AFLAC | 104 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
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.