| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIA HADORN3 | 10778 SOUTH CARBONDALE STREET OLATHE, KS 66061 | AFLAC | $7K | $338 | $8K | 6.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MINNESOTA, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | AFLAC | $5K | $0 | $5K | 4.16% |
| RWI BENEFITS LLC3 Filed as: RWI BENEFITS, LLC | PO BOX 50 QUAPAW, OK 74363 | AFLAC | $4K | $0 | $4K | 3.27% |
| ROBERT C JOHNSON3 Filed as: ROBERT JOHNSTON | 124 CUNNINGHAM PARKWAY, SUITE 101 BELTON, MO 64012 | AFLAC | $3K | $65 | $3K | 2.68% |
| MJ INSURANCE3 Filed as: BRIAN MILLS AND VARIOUS AGENTS | 1402 WEST LUCY WEBB ROAD RAYMORE, MO 64083 | AFLAC | $2K | $9 | $2K | 1.36% |
| LOGAN A BAX3 Filed as: LOGAN BAX | 5605 NE MISTY MEADOW PLACE LEES SUMMIT, MO 64064 | AFLAC | $2K | $57 | $2K | 1.22% |
| ROGERS BENEFIT GROUP INC3 Filed as: ANGELA COOK | 2120 EAST RAY ROAD, UNIT 99 GILBERT, AZ 85296 | AFLAC | $264 | $0 | $264 | 0.21% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 129 | $128K |
| Vision | AFLAC | 129 | $128K |
| Other | AFLAC | 129 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.