| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | $2K | $73K | 4.89% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO ST STE 412 WICHITA, KS 67202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | DELTA DENTAL OF KANSAS INC | $6K | — | $6K | 5.00% |
| AUSTIN HUGHES GAST3 | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $13K | $370 | $13K | 32.24% |
| AUSTIN HUGHES GAST3 | 2421 S CANYON ST WICHITA, KS 67235 | AFLAC | $4K | $422 | $4K | 10.77% |
| TANNER R KING3 | 1909 N NICKELTON ST WICHITA, KS 67235 | AFLAC | $2K | $10 | $2K | 4.53% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $2K | $10 | $2K | 4.01% |
| ELIZABETH RIOS3 | PO BOX 75101 WICHITA, KS 67275 | AFLAC | $1K | — | $1K | 3.49% |
| ZACHARY GAUDET3 | 2112 S PINECREST ST WICHITA, KS 67218 | AFLAC | $240 | — | $240 | 0.59% |
| BRIAN M LEITZEL3 | 7920 W KELLOGG DR STE 102 WICHITA, KS 67209 | AFLAC | $170 | — | $170 | 0.42% |
| BRIAN M LEITZEL3 | 7920 W KELLOGG DR STE 103 WICHITA, KS 67209 | AFLAC | $97 | — | $97 | 0.24% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $491 | $4K | 11.80% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 WEST 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $395 | $2K | 11.08% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55455 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 10.00% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $171 | $2K | 12.92% |
| B & C AGENCY INC4 Filed as: B&C AGENCY INC | 7867 SE 197TH TER LATHAM, KS 67072 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 21.90% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $539 | — | $539 | 5.00% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICE LLC | 245 N WACO ST STE 402 WICHITA, KS 67202 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $396 | — | $396 | 3.67% |
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 | 314 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $1.5M |
| Dental | DELTA DENTAL OF KANSAS INC | 179 | $111K |
| Vision | SURENCY LIFE AND HEALTH | 154 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $23K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $31K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $1.5M |
| Other(5 contracts, 4 carriers) | AFLAC | 241 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.