| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $25K | $0 | $25K | 2.62% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 5.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 14.91% |
| CAROLYN ANN MCLAUGHLIN3 | 639 EAST TRIPP ROAD SUNNYVALE, TX 75182 | AFLAC | $2K | $0 | $2K | 12.87% |
| WESLEY LEGRAND WILLIAMS JR3 Filed as: WESLEY WILLIAMS JR AND OTHER AGENTS | 2137 SOUTH WICHITA STREET WICHITA, KS 67213 | AFLAC | $428 | $38 | $466 | 3.65% |
| TANNER R KING3 Filed as: TANNER R. KING | 14820 EAST SIEFKES COURT WICHITA, KS 67230 | AFLAC | $434 | $7 | $441 | 3.45% |
| JOHN KUNZ3 Filed as: JOHN M. KUNZ | 17300 NORTH DALLAS PARKWAY SUITE 1045 ADDISON, TX 75248 | AFLAC | $391 | $0 | $391 | 3.06% |
| WESLEY LEGRAND WILLIAMS JR3 Filed as: WESLEY LEGRAND WILLIAMS JR. | 3467 COUNTY ROAD KAUFMAN, TX 75142 | AFLAC | $321 | $0 | $321 | 2.51% |
| LORI J THOMPSON3 Filed as: LORI J. THOMPSON | 1319 WEST MAIN STREET, UNIT 6 GUN BARREL CITY, TX 75156 | AFLAC | $248 | $0 | $248 | 1.94% |
| JOHN G CATE3 Filed as: JOHN G. CATE | 4246 NORTH SWEET BAY STREET WICHITA, KS 67226 | AFLAC | $116 | $0 | $116 | 0.91% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | SURENCY LIFE AND HEALTH | $727 | $0 | $727 | 9.84% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 181 | $955K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 98 | $72K |
| Vision | SURENCY LIFE AND HEALTH | 59 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $45K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $45K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 181 | $955K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 113 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.