| 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 | $36K | — | $36K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 11.73% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23462 | HARTFORD LIFE AND ACCIDENT | -$27 | — | -$27 | -0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SERVICES LLC | 245 N WACO SUITE 300 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $458 | — | $458 | 1.25% |
| JULIAN DUARTE3 | 412 N MYRTLE ST EUREKA, KS 67045 | AFLAC | $725 | — | $725 | 12.84% |
| ASHLEY NICOLLE TWIST3 | 1320 N MAUS LN WICHITA, KS 67212 | AFLAC | $285 | — | $285 | 5.05% |
| GAIL A COE3 | 4600 FARMSTEAD CT BEL AIRE, KS 67220 | AFLAC | $178 | — | $178 | 3.15% |
| VARIOUS3 | — | AFLAC | $131 | — | $131 | 2.32% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $117 | — | $117 | 2.07% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO ST STE 412 WICHITA, KS 67202 | AFLAC | $89 | — | $89 | 1.58% |
| GAIL A COE3 | 4600 FARMSTEAD CT BEL AIRE, KS 67220 | AFLAC | $425 | $14 | $439 | 7.85% |
| JULIAN DUARTE3 | 412 N MYRTLE ST EUREKA, KS 67045 | AFLAC | $430 | — | $430 | 7.69% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $104 | $3 | $107 | 1.91% |
| USI INSURANCE SERVICES LLC | 245 N WACO ST STE 412 WICHITA, KS 67202 | AFLAC | $58 | — | $58 | 1.04% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 121 | $899K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 65 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 127 | $75K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 127 | $75K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 121 | $899K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 127 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
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.