| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMI C PACKARD3 Filed as: RAMI PACKARD | 1906 LAKE DRIVE SMITHVILLE, MO 64089 | AFLAC | $18K | $2K | $20K | 4.80% |
| THE C AND S GROUP AND OTHER AGENTS3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $17K | $699 | $17K | 4.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 200 KANSAS CITY, MO 64106 | AFLAC | $17K | — | $17K | 4.15% |
| MICHAEL L PACKARD3 Filed as: MICHAEL L. PACKARD | 1906 LAKE DRIVE SMITHVILLE, MO 64089 | AFLAC | $12K | $589 | $13K | 3.17% |
| K GRAMLICH INC3 Filed as: K GRAMLICH, INC. | 455 SOUTH SAM BARR DRIVE SUITE 205 KEARNEY, MO 64060 | AFLAC | $8K | $589 | $9K | 2.06% |
| THE REVOLUTION LLC3 Filed as: THE REVOLUTION, LLC | 15375 PRIVATE DRIVE, SUITE 3432 SAINT JOSEPH, MO 64505 | AFLAC | $6K | $6 | $6K | 1.48% |
| MIKAYLA PACKARD3 | 1906 LAKE DRIVE SMITHVILLE, MO 64089 | AFLAC | $4K | $16 | $4K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 50 BRAINTREE HILL OFFICE PARK SUITE 310 BRAINTREE, MA 02184 | AMERITAS LIFE INSURANCE CORPORATION | — | $3K | $3K | 1.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 7.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 2.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | EYEMED VISION CARE | $2K | — | $2K | 5.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND KANSAS CITY, MO 64108 | EYEMED VISION CARE | $1K | — | $1K | 3.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 800 KANSAS CITY, MO 64108 | EYEMED VISION CARE | $316 | — | $316 | 0.86% |
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 | 2,645 | 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) | 2,645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 381 | $413K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 3,269 | $265K |
| Vision | EYEMED VISION CARE | 836 | $37K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 2,821 | $661K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 2,821 | $661K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,821 | $248K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,821 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,269 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.