| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 Filed as: CORESOURCE | 18401 MAPLE CREEK DRIVE, SUITE 300 TINLEY PARK, IL 60477 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.80% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO ST, STE 300 WICHITA, KS 67202 | HCC LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 245 N. WACO SUITE 300 WICHITA, KS 67202 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 14.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 245 N WACO SUITE 300 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 5.67% |
| GAIL COE3 | 4600 FARMSTEAD CT BEL AIRE, KS 67220 | AFLAC | $412 | $24 | $436 | 10.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 206 WICHITA, KS 67201 | AFLAC | $112 | — | $112 | 2.59% |
| JUSTIN C CARSON3 Filed as: JUSTIN CARSON | 7701 E KELLOGG DR, STE 680 WICHITA, KS 67207 | AFLAC | $70 | $7 | $77 | 1.78% |
| KATHEY WIEDEMANN3 | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $41 | $7 | $48 | 1.11% |
| SAMUEL A MCFALL3 Filed as: SAMUEL MCFALL | 609 N BROADWAY ST, STE 200 WICHITA, KS 67214 | AFLAC | $28 | — | $28 | 0.65% |
| CALEB GILMOUR3 | 515 S MAIN ST, STE 105 WICHITA, KS 67202 | AFLAC | $26 | — | $26 | 0.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | PO BOX 7050 ENGLEWOOD, CO 80155 | AFLAC | $18 | — | $18 | 0.42% |
| WILLINGHAM INC3 | 1502 N METCALF LOUSIBURG, KS 66053 | AFLAC | $8 | — | $8 | 0.19% |
| VARIOUS3 | — | AFLAC | $5 | — | $5 | 0.12% |
| GAIL COE3 | 4600 FARMSTEAD CT WICHITA, KS 67220 | AFLAC | $367 | — | $367 | 8.63% |
| USI INSURANCE SERVICES LLC3 | P O BOX 206 WICHITA, KS 67201 | AFLAC | $80 | — | $80 | 1.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO, LLC | P O BOX 7050 ENGLEWOOD, CO 80155 | AFLAC | $58 | — | $58 | 1.36% |
| JUSTIN C CARSON3 Filed as: JUSTIN CARSON | 7701 E KELLOGG DRIVE STE 680 WICHITA, KS 67207 | AFLAC | $46 | — | $46 | 1.08% |
| SAMUEL A MCFALL3 Filed as: SAMUEL MCFALL | 609 N BROADWAY WICHITA, KS 67214 | AFLAC | $36 | — | $36 | 0.85% |
| CALEB GILMOUR3 | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $27 | — | $27 | 0.63% |
| VARIOUS3 | — | AFLAC | $27 | — | $27 | 0.63% |
| HOLLY A. TIMMERMEYER3 Filed as: HOLLY TIMMERMEYER | 201 E 12TH ST HAYS, KS 67601 | AFLAC | $26 | — | $26 | 0.61% |
| SCOTT D SWIMMER3 Filed as: SCOTT SWIMMER | 4553 WEST 138TH TERRACE LEAWOOD, KS 66224 | AFLAC | $15 | — | $15 | 0.35% |
| KATHY WIEDEMANN3 Filed as: KATHY WIEDEMAN | 220 HIGH VIEW DRIVE BOULDER, CO 80304 | AFLAC | $9 | — | $9 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC EIN 35-1846036 TPA | Claims processing; Plan Administrator; Other services Service code 12 | 6240 SPRINT PKWY STE 400 OVERLAND PARK, KS 66251 | $48K |
| USI INSURANCE SERVICES, LLC EIN 13-3771734 INSURANCE AGENT | Consulting (general); Insurance agents and brokers Service code 16 | P.O. BOX 206 WICHITA, KS 67201 | $36K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 PRECERTIFICATION | Other services; Claims processing Service code 12 | 1619 N WATERFRONT PARKWAY WICHITA, KS 672789769 | $13K |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 58 | $33K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 120 | $59K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 120 | $59K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 87 | $157K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 120 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.