| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 NORTH WACO STREET, SUITE 300 WICHITA, KS 67202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 5.50% |
| ENCOMPASS HR SOLUTIONS, INC.3 | 7701 EAST KELLOGG DRIVE, SUITE 440 WICHITA, KS 67207 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.47% |
| ENCOMPASS HR SOLUTIONS, INC.3 | 7701 EAST KELLOGG DRIVE, SUITE 440 WICHITA, KS 67207 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 1.32% |
| GAIL COE3 | 4600 FARMSTEAD COURT BEL AIRE, KS 67220 | AFLAC | $2K | $42 | $2K | 9.39% |
| JUSTIN C CARSON3 Filed as: JUSTIN CARSON | 7701 EAST KELLOGG DRIVE, SUITE 660 WICHITA, KS 67207 | AFLAC | $633 | $16 | $649 | 3.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 206 WICHITA, KS 67201 | AFLAC | $617 | — | $617 | 3.12% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DRIVE BOULDER, CO 80304 | AFLAC | $402 | $16 | $418 | 2.11% |
| KEVIN D INGWERSON3 Filed as: KEVIN INGWERSON | 9402 EAST 43RD CIRCLE NORTH WICHITA, KS 67226 | AFLAC | $399 | $7 | $406 | 2.05% |
| HOLLY TIMMERMEYER AND OTHER AGENTS3 | 201 EAST 12TH STREET HAYS, KS 67601 | AFLAC | $338 | $3 | $341 | 1.73% |
| SAMUEL A MCFALL3 Filed as: SAMUEL MCFALL | 609 NORTH BROADWAY STREET SUITE 200 WICHITA, KS 67214 | AFLAC | $74 | — | $74 | 0.37% |
| KEVIN D INGWERSON4 Filed as: KEVIN D. INGWERSON | 9402 EAST 43RD CIRCLE NORTH WICHITA, KS 67226 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $463 | — | $463 | 11.26% |
| GAIL COE4 | 4600 FARMSTEAD COURT BEL AIRE, KS 67220 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $135 | — | $135 | 3.28% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 203 | $164K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $180K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $180K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $180K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 370 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.