| 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 | $13K | $4K | $17K | 2.80% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 27.19% |
| BRANDAN BRUCE3 | PO BOX 43 INDIANOLA, IA 50125 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MISSOURI | $3K | $940 | $3K | 6.64% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 6.00% |
| DENISE R MUSTOE3 | 8942 N LEWIS AVENUE KANSAS CITY, MO 64157 | AFLAC | $2K | $174 | $2K | 6.10% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $2K | — | $2K | 5.42% |
| NICOLE BETH JENKINS3 | 2301 BURLINGTON STREET, SUITE 200 KANSAS CITY, MO 64116 | AFLAC | $885 | $41 | $926 | 2.71% |
| JULIA HADORN3 Filed as: JULIA R HADORN | 10778 S CARBONDALE STREET OLATHE, KS 66061 | AFLAC | $294 | — | $294 | 0.86% |
| ROBERT C JOHNSTON3 | 1000 W FOXWOOD DRIVE, SUITE 300 RAYMORE, MO 64083 | AFLAC | $286 | — | $286 | 0.84% |
| KAYLA ESTRADA3 | 10034 N LAWN AVENUE KANSAS CITY, MO 64156 | AFLAC | $175 | — | $175 | 0.51% |
| GARY WILLIAM FITCH3 | 12050 W ROCHEPORT GRAVEL ROAD ROCHEPORT, MO 65279 | AFLAC | $174 | — | $174 | 0.51% |
| CHRISTI DIGGS3 | 5212 BUENA VISTA STREET ROELAND PARK, KS 66205 | AFLAC | $98 | — | $98 | 0.29% |
| TIM C HAYSLETT3 | 10752 N FAIRMOUNT AVENUE KANSAS CITY, MO 64155 | AFLAC | $97 | — | $97 | 0.28% |
| KRISTY GRAMLICH INC3 | 9131 N BOOTH COURT KANSAS CITY, MO 64157 | AFLAC | $93 | — | $93 | 0.27% |
| CHAD J BASLER3 | 460 NE LAKES EDGE DRIVE LEES SUMMIT, MO 64064 | AFLAC | $92 | — | $92 | 0.27% |
| CARISSA KING3 | 301 E EXCELSIOR STREET EXCELSIOR SPRINGS, MO 64024 | AFLAC | $78 | — | $78 | 0.23% |
| STEPHANIE ORTIZ3 | 15827 WEST LOCUST STREET OLATHE, KS 66061 | AFLAC | $65 | — | $65 | 0.19% |
| SHAUNA DENISE YOUNG3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $58 | — | $58 | 0.17% |
| TARA M HELLER3 | 10428 N POTTER AVENUE KANSAS CITY, MO 64157 | AFLAC | $54 | — | $54 | 0.16% |
| JON R OVERACRE3 | 1300 NE HILLTOP DRIVE BLUE SPRINGS, MO 64014 | AFLAC | $53 | — | $53 | 0.16% |
| VANESSA M HOFFMAN3 | 8315 NW TWIN OAKS DRIVE KANSAS CITY, MO 64151 | AFLAC | $45 | — | $45 | 0.13% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PLACE KANSAS CITY, MO 64118 | AFLAC | $38 | — | $38 | 0.11% |
| FINANCIAL RESOURCES OF KANSAS CITY3 Filed as: FINANCIAL RESOURCES | 10975 BENSON DRIVE, SUITE 100 OVERLAND PARK, KS 66210 | AFLAC | $25 | — | $25 | 0.07% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $24 | — | $24 | 0.07% |
| JOHN A BACON3 | 30837 SPRING VALLEY ROAD PAOLA, KS 66071 | AFLAC | $21 | — | $21 | 0.06% |
| ANGELA M COOK3 | 400 N CORONADO STREET, APT 2108 CHANDLER, AZ 85224 | AFLAC | $21 | — | $21 | 0.06% |
| JANET ZENTMIRE RIGSBY3 | 801 MELANAE COURT LIBERTY, MO 64068 | AFLAC | $21 | — | $21 | 0.06% |
| SHANNON N SMITH3 | 1525 SE PICCABILLY STREET BLUE SPRINGS, MO 64014 | AFLAC | $21 | — | $21 | 0.06% |
| TERRANCE GREENE3 | 11318 WOODWARD STREET OVERLAND PARK, KS 66210 | AFLAC | $19 | — | $19 | 0.06% |
| JON HARTMAN3 Filed as: JON HARTMAN AGENCY INC | 1400 FORUM BOULEVARD, SUITE 31 COLUMBIA, MO 65203 | AFLAC | $16 | — | $16 | 0.05% |
| CHRISTOPHER M ASHTON3 | 5962 SCREAMING EAGLE LANE COLUMBIA, MO 65201 | AFLAC | $16 | — | $16 | 0.05% |
| AARON KOLICH3 Filed as: AARON R KOLICH | 8907 W 105TH TERRACE OVERLAND PARK, KS 66212 | AFLAC | $15 | — | $15 | 0.04% |
| CHAD M POSTON3 | 2409 W ASH STREET COLUMBIA, MO 65203 | AFLAC | $14 | — | $14 | 0.04% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW COURT ZIONSVILLE, IN 46077 | AFLAC | $13 | — | $13 | 0.04% |
| STACY L BASLER3 | 6210 NE FAIRVIEW ROAD LEES SUMMIT, MO 64064 | AFLAC | $13 | — | $13 | 0.04% |
| JILL STRINGER3 Filed as: JILL JOELLE STRINGER | 13809 MEADOW LANE LEAWOOD, KS 66224 | AFLAC | $11 | — | $11 | 0.03% |
| LOGAN A BAX3 | 8807 STARK AVENUE KANSAS CITY, MO 64138 | AFLAC | $11 | — | $11 | 0.03% |
| CHANDRA RENEE CARRIER3 | 8606 NE 89TH PLACE KANSAS CITY, MO 64157 | AFLAC | $8 | — | $8 | 0.02% |
| BRADLEY K HARRISON3 | 1530 RAX COURT JEFFERSON CITY, MO 65109 | AFLAC | $8 | — | $8 | 0.02% |
| PARKHAVEN BENEFITS LLC3 | 8606 NE 89TH PLACE KANSAS CITY, MO 64157 | AFLAC | $8 | — | $8 | 0.02% |
| KERRY R PICKARD3 | 8534 N OVERLAND DRIVE KANSAS CITY, MO 64154 | AFLAC | $7 | — | $7 | 0.02% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $7 | — | $7 | 0.02% |
| DANIEL E STIEGLER3 | 2412 SW WINTERBOND COURT LEES SUMMIT, MO 64081 | AFLAC | $6 | — | $6 | 0.02% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC | $4 | — | $4 | 0.01% |
| BRIANA LYNN HADORN3 | 10778 S CARBONDALE STREET OLATHE, KS 66061 | AFLAC | $4 | — | $4 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVENUE SPRINGFIELD, MO 65804 | AFLAC | $3 | — | $3 | 0.01% |
| TYSON C FUNK3 | 917 CROWN POINTE TERRACE COURT WILDWOOD, MO 63021 | AFLAC | $2 | — | $2 | 0.01% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH ROAD, SUITE B LIBERTY, MO 64068 | AFLAC | $2 | — | $2 | 0.01% |
| KRISTINE GARCIA3 | 100 NE 93RD STREET KANSAS CITY, MO 64155 | AFLAC | $2 | — | $2 | 0.01% |
| DONNA BAILEY3 Filed as: DONNA M BAILEY | 1108 S WESTPORT DRIVE, APT 1 MARSHALL, MO 65340 | AFLAC | $2 | — | $2 | 0.01% |
| JACOB T BRADBURY3 | 1123 S MARGRAVE STREET FORT SCOTT, KS 66701 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.00% |
| AUSTIN J PETERSON3 | 11116 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER THOMAS HIPP3 | 1601 MEADOW LANE HAYS, KS 67601 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $1 | — | $1 | 0.00% |
| CHAD JOSEPH BASLER3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 6.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SURENCY LIFE & HEALTH INSURANCE COMPANY | $643 | — | $643 | 7.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ADVANTICA INSURANCE COMPANY | $326 | — | $326 | 4.45% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SURENCY LIFE & HEALTH INSURANCE COMPANY | $586 | — | $586 | 9.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR | Contract Administrator Service code 13 | — | $72K |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 223 | $609K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 275 | $133K |
| Vision(3 contracts, 2 carriers) | SURENCY LIFE & HEALTH INSURANCE COMPANY | 471 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $71K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $71K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $71K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 306 | $255K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 257 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.