| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $40K | $23K | $64K | 3.89% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MISSOURI | $6K | $927 | $7K | 5.43% |
| NICOLE BETH JENKINS3 | 2301 BURLINGTON STREET, SUITE 200 KANSAS CITY, MO 64116 | AFLAC | $973 | $30 | $1K | 3.60% |
| DENISE R MUSTOE3 | 8942 N LEWIS AVENUE KANSAS CITY, MO 64157 | AFLAC | $895 | $47 | $942 | 3.38% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $795 | — | $795 | 2.86% |
| CARISSA KING3 | 301 E EXCELSIOR STREET EXCELSIOR SPRINGS, MO 64024 | AFLAC | $682 | $75 | $757 | 2.72% |
| KAYLA ESTRADA3 | 10034 N LAWN AVENUE KANSAS CITY, MO 64156 | AFLAC | $337 | $15 | $352 | 1.26% |
| CHAD J BASLER3 | 460 NE LAKES EDGE DRIVE LEES SUMMIT, MO 64064 | AFLAC | $268 | — | $268 | 0.96% |
| TIM C HAYSLETT3 | 10752 N FAIRMOUNT AVENUE KANSAS CITY, MO 64155 | AFLAC | $234 | — | $234 | 0.84% |
| STEPHANIE ORTIZ3 | 7547 WALMER STREET OVERLAND PARK, KS 66204 | AFLAC | $172 | $15 | $187 | 0.67% |
| SHAUNA DENISE YOUNG3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $81 | — | $81 | 0.29% |
| VANESSA M HOFFMAN3 | 8315 NW TWIN OAKS DRIVE KANSAS CITY, MO 64151 | AFLAC | $62 | — | $62 | 0.22% |
| TARA M HELLER3 | 10428 N POTTER AVENUE KANSAS CITY, MO 64157 | AFLAC | $44 | — | $44 | 0.16% |
| FINANCIAL RESOURCES OF KANSAS CITY3 Filed as: FINANCIAL RESOURCES | 10975 BENSON DRIVE, SUITE 100 OVERLAND PARK, KS 66210 | AFLAC | $43 | — | $43 | 0.15% |
| CHANDRA RENEE CARRIER3 | 8606 NE 89TH PLACE KANSAS CITY, MO 64157 | AFLAC | $33 | — | $33 | 0.12% |
| SHAUNA D LOVE LAGER3 | 2010 JOE LANE KEARNEY, MO 64060 | AFLAC | $29 | — | $29 | 0.10% |
| KRISTY GRAMLICH INC3 | 2301 BURLINGTON STREET, SUITE 200 KANSAS CITY, MO 64116 | AFLAC | $29 | — | $29 | 0.10% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | AFLAC | $19 | — | $19 | 0.07% |
| GEORGE J MATZ3 | 1400 WELLINGTON WAY LIBERTY, MO 64068 | AFLAC | $12 | — | $12 | 0.04% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $12 | — | $12 | 0.04% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $10 | — | $10 | 0.04% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $6 | — | $6 | 0.02% |
| K GRAMLICH INC3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $4 | — | $4 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVENUE SPRINGFIELD, MO 65804 | AFLAC | $4 | — | $4 | 0.01% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $4 | — | $4 | 0.01% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A SMAARDYK3 | 3972 HOLLIS AVENUE PORT CHARLOTTE, FL 33953 | AFLAC | $1 | — | $1 | 0.00% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ADVANTICA INSURANCE COMPANY | $468 | $45 | $513 | 3.00% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | STANDARD INSURANCE COMPANY | $181 | — | $181 | 1.41% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $127 | — | $127 | 0.99% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 341 | $1.6M |
| Dental | DELTA DENTAL OF MISSOURI | 365 | $121K |
| Vision | ADVANTICA INSURANCE COMPANY | 297 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 237 | $13K |
| Other | AFLAC | 17 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.