| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | RELIASTAR LIFE INSURANCE COMPANY | $102K | — | $102K | 15.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 3.17% |
| UMR, INC.3 Filed as: UMR | 11 SCOTT ST, STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $16K | $16K | 2.86% |
| 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. | $19K | — | $19K | 8.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.66% |
| CONNECTSOURCE SOLUTIONS INC5 | 1150 HUNGRYNECK BLVD, STE C121 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.80% |
| CONNECTSOURCE SOLUTIONS INC5 | 1150 HUNGRYNECK BLVD, STE C121 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 9.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.90% |
| CONNECTSOURCE SOLUTIONS INC5 | 1150 HUNGRYNECK BLVD, STE C121 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BLVD, SUITE 200 KANSAS CITY, MO 64108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 10.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.32% |
| CALEB GILMOUR3 | 515 S. MAIN, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.44% |
| MICHAEL D CHRISMAN3 | 515 S. MAIN, SUITE 105 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| VARIOUS3 | P.O. BOX 427 COLUMBIA, SC 71730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $281 | — | $281 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.07% |
| CONNECTSOURCE SOLUTIONS INC5 | 1150 HUNGRYNECK BLVD, STE C121 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.14% |
| 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 | $6K | — | $6K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST N., SUITE 100 WICHITA, KS 67202 | SURENCY LIFE AND HEALTH | $275 | — | $275 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 NONE | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $1.7M |
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $100K |
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 | 508 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 379 | $241K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 343 | $58K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $215K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $112K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $90K |
| Stop-loss / reinsurancereinsurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 345 | $1.2M |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 512 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.