| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 5.10% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $5K | $465 | $6K | 13.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $931 | $0 | $931 | 2.29% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 800 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $372 | $372 | 0.91% |
| WESLEY LEGRAND WILLIAMS JR3 Filed as: WESLEY LEGRAND WILLIAMS JR. | 2137 SOUTH WICHITA STREET WICHITA, KS 67213 | AFLAC | $1K | $95 | $1K | 12.15% |
| TANNER R KING3 Filed as: TANNER R. KING | 14820 EAST SIEFKES COURT WICHITA, KS 67230 | AFLAC | $294 | $22 | $316 | 3.01% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $186 | $22 | $208 | 1.98% |
| CAROLYN ANN MCLAUGHLIN3 Filed as: CAROLYN MCLAUGHLIN AND OTHER AGENTS | 639 EAST TRIPP ROAD SUNNYVALE, TX 75182 | AFLAC | $203 | $0 | $203 | 1.93% |
| JOHN G CATE3 Filed as: JOHN G. CATE | 4246 NORTH SWEET BAY STREET WICHITA, KS 67226 | AFLAC | $146 | $0 | $146 | 1.39% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $110 | $0 | $110 | 1.05% |
| WESLEY LEGRAND WILLIAMS JR3 Filed as: WESLEY LEGRAND WILLIAMS JR. | 3467 COUNTY ROAD KAUFMAN, TX 75142 | AFLAC | $66 | $0 | $66 | 0.63% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | SURENCY LIFE AND HEALTH | $703 | $0 | $703 | 9.46% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 151 | $0 |
| Dental | DELTA DENTAL OF KANSAS, INC. | 92 | $81K |
| Vision | SURENCY LIFE AND HEALTH | 41 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 110 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 110 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 110 | $41K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 151 | $0 |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 110 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.