| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 7.20% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 38202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $41 | $15K | 6.43% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 200 KANSAS CITY, MO 64108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 11.55% |
| GAIL A COE3 Filed as: GAIL A. COE | 4600 NORTH FARMSTEAD BEL AIRE, KS 67220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.15% |
| CALEB GILMOUR3 | 515 SOUTH MAIN, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $571 | $0 | $571 | 1.66% |
| BRANDON M UNREIN3 Filed as: BRANDON M. UNREIN | 15275 SW INDIANOLA ROAD AUGUSTA, KS 67010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | $0 | $232 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $4K | — | $4K | 13.90% |
| KEVIN D INGWERSON4 Filed as: KEVIN D. INGWERSON | 208 SOUTH PUTTER DRIVE ANDOVER, KS 67002 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $900 | $0 | $900 | 16.22% |
| GAIL COE4 | 4600 FARMSTEAD COURT BEL AIRE, KS 67220 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $310 | $0 | $310 | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $154 | $0 | $154 | 10.02% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 858 | $227K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 154 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $295K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $295K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $295K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
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."
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.