| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD, STE 1000 ROLLING MEADOWS, IL 60008 | QBE INSURANCE CORPORATION | $76K | — | $76K | 18.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS - WICHITA | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $15K | — | $15K | 7.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BLVD, SUITE 200 KANSAS CITY, MO 64108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.91% |
| CALEB GILMOUR3 | 515 S. MAIN, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.74% |
| VARIOUS3 | P.O. BOX 427 COLUMBIA, SC 71730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $864 | — | $864 | 1.10% |
| MICHAEL D CHRISMAN3 | 515 S. MAIN, SUITE 105 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $762 | — | $762 | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS - WICHITA | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $4K | — | $4K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS - WICHITA | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $320 | — | $320 | 9.99% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 260 | $185K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 234 | $44K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $148K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 347 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $59K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 233 | $412K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 348 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.