| 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 | $33K | — | $33K | 3.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE HARTFORD | $7K | $1K | $8K | 11.30% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO STE 412 WICHITA, KS 67202 | THE HARTFORD | $2K | — | $2K | 2.80% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO SUITE 300 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $427 | — | $427 | 1.25% |
| GAIL A COE3 | 4600 FARMSTEAD CT BEL AIRE, KS 67220 | AFLAC | $239 | — | $239 | 4.88% |
| ENVIRON CONSULTING GROUP LLC3 | 515 S MAIN ST WICHITA, KS 67202 | AFLAC | $230 | — | $230 | 4.70% |
| JULIAN DUARTE3 | 412 N MYRTLE ST EUREKA, KS 67045 | AFLAC | $204 | $11 | $215 | 4.39% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $76 | $2 | $78 | 1.59% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO ST STE 412 WICHITA, KS 67202 | AFLAC | $44 | — | $44 | 0.90% |
| SAMUEL A MCFALL3 | 609 N BROADWAY AVE STE 200 WICHITA, KS 67214 | AFLAC | $25 | — | $25 | 0.51% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $14 | — | $14 | 0.29% |
| NICOLE E ROONEY3 | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $14 | — | $14 | 0.29% |
| JUSTIN C CARSON3 | 7701 E KELLOGG DR STE 680 WICHITA, KS 67207 | AFLAC | $10 | — | $10 | 0.20% |
| WILLINGHAM INC3 | 35354 MISSION BELLEVIEW RD LOUISBURG, KS 66053 | AFLAC | $7 | — | $7 | 0.14% |
| VARIOUS3 | — | AFLAC | $4 | — | $4 | 0.08% |
| ENVIRON CONSULTING GROUP LLC3 | 515 S MAIN ST WICHITA, KS 67202 | AFLAC | $164 | — | $164 | 4.38% |
| GAIL A COE3 | 4600 FARMSTEAD CT BEL AIRE, KS 67220 | AFLAC | $126 | — | $126 | 3.36% |
| JULIAN DUARTE3 | 412 N MYRTLE ST EUREKA, KS 67045 | AFLAC | $76 | $31 | $107 | 2.86% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO ST STE 412 WICHITA, KS 67202 | AFLAC | $61 | — | $61 | 1.63% |
| ASHLEY NICOLLE TWIST3 | 1320 N MAUS LN WICHITA, KS 67212 | AFLAC | $58 | $3 | $61 | 1.63% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $38 | $9 | $47 | 1.25% |
| HOLLY A. TIMMERMEYER3 Filed as: HOLLY A TIMMERMEYER | 4164 DANBURY ST BEL AIRE, KS 67220 | AFLAC | $24 | — | $24 | 0.64% |
| SAMUEL A MCFALL3 | 609 N BROADWAY AVE STE 200 WICHITA, KS 67214 | AFLAC | $21 | — | $21 | 0.56% |
| VARIOUS3 | — | AFLAC | $15 | — | $15 | 0.40% |
| SCOTT D SWIMMER3 | 4553 W 138TH TER LEAWOOD, KS 66224 | AFLAC | $14 | — | $14 | 0.37% |
| MICHAEL J ELLIS3 | 532 GARRICK PL O FALLON, MO 63368 | AFLAC | $9 | — | $9 | 0.24% |
| GREGORY GILBERT WHERRY3 | 1406 WINDGATE WAY LN CHESTERFIELD, MO 63005 | AFLAC | $6 | — | $6 | 0.16% |
| WILLINGHAM INC3 | 35354 MISSION BELLEVIEW RD LOUISBURG, KS 66053 | AFLAC | $6 | — | $6 | 0.16% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 121 | $891K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 61 | $34K |
| Life insurance | THE HARTFORD | 116 | $73K |
| Short-term disability | THE HARTFORD | 116 | $73K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 121 | $891K |
| Other(3 contracts, 2 carriers) | THE HARTFORD | 116 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
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.