| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN -KC | 1200 MAIN ST. #2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 3.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 100 RIALTO PLACE SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.45% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $798 | $798 | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 6.81% |
| MICHAEL D CHRISMAN3 | 515 S. MAIN ST. SUITE 105 WICHITA, KS 67202 | AFLAC | $1K | $84 | $1K | 9.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 901 MARQUETTE AVE. SUITE 1800 MINNEAPOLIS, MN 55402 | AFLAC | $544 | — | $544 | 4.75% |
| MATTHEW GANT3 | 2501 W. 18TH AVE. STE 1800 EMPORIA, KS 66801 | AFLAC | $502 | $2 | $504 | 4.40% |
| LAURENCE W KEMP3 | 1018 N BATTIN ST WICHITA, KS 67208 | AFLAC | $311 | — | $311 | 2.71% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 S. MAIN ST. WICHITA, KS 67202 | AFLAC | $96 | $9 | $105 | 0.92% |
| PATRICIA KEMP3 | 1018 N. BATTIN ST. WICHITA, KS 67208 | AFLAC | $31 | — | $31 | 0.27% |
| JAMES HOMER COOK3 | 8509 E HUNTINGTON ST WICHITA, KS 67206 | AFLAC | $31 | — | $31 | 0.27% |
| RUSTY J HELIN3 | 2012 SE 9TH ST MOORE, OK 73160 | AFLAC | $29 | — | $29 | 0.25% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LN. HAYS, KS 67601 | AFLAC | $23 | — | $23 | 0.20% |
| DAVID R. PETRO3 | 873 N. 1928TH RD. LECOMPTON, KS 66050 | AFLAC | $23 | — | $23 | 0.20% |
| JOHN E WETIG3 | 103 S ROUPP ST HESSTON, KS 67062 | AFLAC | $23 | — | $23 | 0.20% |
| WESLEY LEGRAND WILLIAMS JR3 Filed as: WESLEY LEGRAND WILLIAMS JR. | 3467 COUNTY ROAD KAUFMAN, TX 75142 | AFLAC | $21 | — | $21 | 0.18% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR. SEBRING, FL 33875 | AFLAC | $18 | — | $18 | 0.16% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $16 | — | $16 | 0.14% |
| LOLLMAN COMPANY, INC.3 | 1221 SW 17TH ST. TOPEKA, KS 66604 | AFLAC | $14 | — | $14 | 0.12% |
| WILLINGHAM INC3 Filed as: WILLINGHAM INC. | 35354 MISSION BELLEVIEW RD. LOUISBURG, KS 66053 | AFLAC | $12 | — | $12 | 0.10% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $11 | — | $11 | 0.10% |
| TERESA BURNETT3 | 1112 E. JAMES ST. DERBY, KS 67037 | AFLAC | $10 | — | $10 | 0.09% |
| NATHAN L HARRISON3 | 5301 E VISTA RICA ST PARADISE VALLEY, AS 85253 | AFLAC | $5 | — | $5 | 0.04% |
| KENNETH D MORRIS JR3 Filed as: KENNETH D. MORRIS, JR. | 5410 PLYMOUTH DR. LAWRENCE, KS 66049 | AFLAC | $3 | — | $3 | 0.03% |
| CHRISTOPHER THOMAS HIPP3 | 1601 MEADOW LANE HAYS, KS 67601 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN A BACON3 Filed as: JOHN A. BACON | 30837 SPRING VALLEY RD. PAOLA, KS 66071 | AFLAC | $1 | — | $1 | 0.01% |
| TERRY S DECKER3 | 123401 EW 6 RD TURPIN, OK 73950 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN MILLS3 | 1402 W. LUCY WEBB RD RAYMORE, MO 64083 | AFLAC | $0 | — | $0 | 0.00% |
| JANICE A ROBINSON3 Filed as: JANICE ARLENE ROBINSON | 22010 BRIDGESTONE HAWK CT. SPRING, TX 77388 | AFLAC | $0 | — | $0 | 0.00% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA BEHAVIORAL HEALTH, LLC | 221 | $5K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 158 | $90K |
| Vision | VISION SERVICE PLAN | 147 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 221 | $53K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.