| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF KANSAS, INC. | $24K | $0 | $24K | 6.81% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF KANSAS, INC. | $8K | $0 | $8K | 6.87% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.13% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.57% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 7.09% |
| VANESSA L TORRES3 | 5316 ARLINGTON CIRCLE HANOVER PARK, IL 60015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 5.69% |
| JUSTIN C CARSON3 | 7701 E KELLOGG SUITE 680 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.20% |
| THE PROFECTUS GROUP LLC3 | 450 WEST WILSON BRIDGE RD SUITE 110 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $561 | $0 | $561 | 0.63% |
| CALEB GILMOUR3 Filed as: CALEB GILMORE | 515 S. MAIN SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | $0 | $278 | 0.31% |
| MICHAEL D CHRISMAN3 Filed as: MICHAEL D. CHRISMAN | 515 S MAIN ST SUITE 105 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | $0 | $160 | 0.18% |
| KATHY A WIEDEMANN3 Filed as: KATHY A. WIEDMANN | 229 E. WILLIAM #501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | $0 | $157 | 0.18% |
| ANNA ELIZABETH INC3 | 2821 N OCEAN BLVD UNIT 305 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BLVD SUITE 200 KANSAS CITY, MO 64108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.04% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.04% |
| CHRISTOPHER THOMAS HIPP3 Filed as: CHRISTOPHER T. HIPP | 718 MAIN SUITE 205 HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.03% |
| KATHY A WIEDEMANN3 Filed as: KATHY HENRY | 917 S ZELTA CT WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.30% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.18% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.31% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.86% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SURENCY LIFE AND HEALTH | $3K | $0 | $3K | 9.57% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | SURENCY LIFE AND HEALTH | $3K | $0 | $3K | 9.61% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 289 | $475K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 163 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 538 | $142K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $72K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 538 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.