| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENCOMPASS HR SOLUTIONS, INC.3 | 11520 WEST NANTUCKET CIRCLE WICHITA, KS 67212 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 5.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 NORTH WACO STREET SUITE 412 WICHITA, KS 67202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $390 | $390 | 0.21% |
| UNKNOWN3 | UNKNOWN WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $3K | $0 | $3K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $2K | $0 | $2K | 1.20% |
| GAIL A COE3 Filed as: GAIL A. COE | 4600 FARMSTEAD COURT BELAIRE, KS 67220 | AFLAC | $3K | $66 | $3K | 7.75% |
| MJ INSURANCE3 Filed as: CALEB J. GILMOUR AND VARIOUS AGENTS | 310 WEST CENTRAL AVENUE SUITE D ANDOVER, KS 67002 | AFLAC | $1K | $20 | $1K | 3.74% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG DRIVE SUITE 680 WICHITA, KS 67207 | AFLAC | $1K | $20 | $1K | 3.24% |
| MARCI R. FUGARINO3 | 704 EAST WOODSTONE COURT ANDOVER, KS 67002 | AFLAC | $889 | $0 | $889 | 2.52% |
| HOLLY A. TIMMERMEYER3 | 201 EAST 12TH STREET HAYS, KS 67601 | AFLAC | $778 | $0 | $778 | 2.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 206 WICHITA, KS 67201 | AFLAC | $673 | $0 | $673 | 1.91% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DRIVE BOULDER, CO 80304 | AFLAC | $323 | $9 | $332 | 0.94% |
| KEVIN D INGWERSON3 Filed as: KEVIN D. INGWERSON | 208 SOUTH PUTTER DRIVE ANDOVER, KS 67002 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 21.82% |
| GAIL COE3 | 4600 FARMSTEAD COURT BEL AIRE, KS 67220 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $246 | $0 | $246 | 4.21% |
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 | 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. | 202 | $180K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $189K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $189K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $189K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 370 | $242K |
| 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."
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.