| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC | 4300 SHAWNEE MISSION PARKWAY, 100 FAIRWAY, KS 66205 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $606 | $2K | 4.46% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGCY INC | 6363 COLLEGE BOULEVARD, SUITE 400 LEAWOOD, KS 66211 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC | 4300 SHAWNEE MISSION PARKWAY, 100 FAIRWAY, KS 66205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.52% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGCY INC | 6363 COLLEGE BOULEVARD, SUITE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $769 | — | $769 | 4.48% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC | 4300 SHAWNEE MISSION PARKWAY, 100 FAIRWAY, KS 66205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.58% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGCY INC | 6363 COLLEGE BOULEVARD, SUITE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $752 | — | $752 | 4.43% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGCY INC | 6363 COLLEGE BOULEVARD, SUITE 400 LEAWOOD, KS 66211 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 10.00% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC | 4300 SHAWNEE MISSION PARKWAY, 100 FAIRWAY, KS 66205 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $872 | — | $872 | 10.49% |
| ROBERT E. MILLER INSURANCE AGENCY3 Filed as: ROBERT E MILLER INSURANCE AGCY INC | 6363 COLLEGE BOULEVARD, SUITE 400 LEAWOOD, KS 66211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $375 | — | $375 | 4.51% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC | 4300 SHAWNEE MISSION PARKWAY, 100 FAIRWAY, KS 66205 | AFLAC | $2K | — | $2K | 25.42% |
| JACK D. MCINNES IV3 Filed as: JACK MCINNES IV | 4300 SHAWNEE MISSION PARKWAY, 100 FAIRWAY, KS 66205 | AFLAC | $259 | — | $259 | 3.67% |
| LINDEE M WARD3 Filed as: LINDEE M WARD INC | 7509 NW TIFFANY SPRINGS PKWY, 100 KANSAS CITY, MO 64153 | AFLAC | $46 | $15 | $61 | 0.86% |
| K GRAMLICH INC3 | 455 S SAM BARR DRIVE, SUITE 205 KEARNEY, MO 64060 | AFLAC | $46 | $15 | $61 | 0.86% |
| MARGARET LAPIERRE3 | 669 W 70TH TERRACE KANSAS CITY, MO 64113 | AFLAC | $29 | — | $29 | 0.41% |
| KELLY GRAMLICH3 | 455 S SAM BARR DRIVE, SUITE 205 KEARNEY, MO 64060 | AFLAC | $24 | $5 | $29 | 0.41% |
| TIM C HAYSLETT3 Filed as: TIM HAYSLETT | 11219 N SUMMIT STREET KANSAS CITY, MO 64155 | AFLAC | $25 | — | $25 | 0.35% |
| LINDEE WARD3 | 7509 NW TIFFANY SPRINGS PKWY, 100 KANSAS CITY, MO 64153 | AFLAC | $19 | $5 | $24 | 0.34% |
| THE C & S GROUP INC3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $17 | — | $17 | 0.24% |
| MATTHEW LUCAS3 | 2985 COLLEGE DRIVE, PO BOX 717 BRYN ATHYN, PA 19009 | AFLAC | $5 | — | $5 | 0.07% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $3 | — | $3 | 0.04% |
| JOSEPH ZEZZA3 | 9855 N LEWIS AVENUE KANSAS CITY, MO 64157 | AFLAC | $2 | — | $2 | 0.03% |
| JENNIFER SMITH3 | 319 N MAIN AVENUE, SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $1 | — | $1 | 0.01% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 5 GREAT VALLEY PARKWAY, SUITE 100 MALVERN, PA 19355 | AFLAC | $1 | — | $1 | 0.01% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $1 | — | $1 | 0.01% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 16 | $7K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $52K |
| Vision | SURENCY LIFE AND HEALTH | 108 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $17K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 33 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 39 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.