| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF KANSAS, INC. | 12980 METCALF, SUITE 500 OVERLAND PARK, KS 66213 | COVENTRY HEALTH AND LIFE | $112K | — | $112K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER, SUITE 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 9.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 NORTH WACO, SUITE 300 WITCHITA, KS 67202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 6.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF KANSAS, INC. | 26 CENTURY BOULEVARD, 2ND FLOOR NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 4.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF KANSAS, INC. | 12980 METCALF, SUITE 500 OVERLAND PARK, KS 66213 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 3.75% |
| BAUGHMAN GROUP3 Filed as: BAUGHMAN GROUP, INC. | UNKNOWN DECATUR, IL 62521 | DELTA DENTAL OF ILLINOIS | — | -$341 | -$341 | -0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 NORTH WACO STREET, SUITE 300 WICHITA, KS 67202 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
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 | 470 | 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) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH AND LIFE | 666 | $2.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 310 | $188K |
| Vision | VISION SERVICE PLAN | 336 | $36K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $310K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $310K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $310K |
| Prescription drug | COVENTRY HEALTH AND LIFE | 666 | $2.8M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.