| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 50 BRAINTREE HILL OFFICE PARK SUITE 310 BRAINTREE, MA 02184 | AMERITAS LIFE INSURANCE CORPORATION | — | $1K | $1K | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 7.48% |
| MJ INSURANCE3 Filed as: KAMARA K. ROACH AND VARIOUS AGENTS | 15280 PRIVATE DRIVE, SUITE 3432 SAINT JOSEPH, MO 64505 | AFLAC | $9K | $503 | $10K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 200 KANSAS CITY, MO 64089 | AFLAC | $9K | — | $9K | 4.45% |
| RAMI C PACKARD3 Filed as: RAMI C. PACKARD | 1906 LAKE DRIVE SMITHVILLE, MO 64089 | AFLAC | $8K | — | $8K | 3.96% |
| MICHAEL L PACKARD3 Filed as: MICHAEL L. PACKARD | 1906 LAKE DRIVE SMITHVILLE, MO 64089 | AFLAC | $5K | $104 | $5K | 2.54% |
| THE REVOLUTION LLC3 | 15375 PRIVATE DRIVE, SUITE 3432 SAINT JOSEPH, MO 64505 | AFLAC | $4K | $260 | $5K | 2.30% |
| K GRAMLICH INC3 Filed as: K GRAMLICH INC. | 7509 NW TIFFANY SPRINGS PARKWAY SUITE 100 KANSAS CITY, MO 64153 | AFLAC | $3K | $16 | $3K | 1.48% |
| THE C & S GROUP INC3 Filed as: THE C AND S GROUP INC | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $2K | $101 | $2K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 900 KANSAS CITY, MO 64108 | EYEMED VISION CARE | $4K | — | $4K | 10.00% |
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 | 2,801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 360 | $200K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 3,273 | $308K |
| Vision | EYEMED VISION CARE | 828 | $37K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,801 | $438K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,801 | $438K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,801 | $237K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,801 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,273 | — |
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.