| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 402 WICHITA, KS 67202 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $41K | $0 | $41K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 4.59% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.60% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.58% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.17% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $441 | $0 | $441 | 0.78% |
| ALAN PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | $0 | $100 | 0.18% |
| BRIAN OBAL3 | 3190 FAIRVIEW PARK DRIVE, SUITE 40 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.11% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF ILLINOIS | $10K | $0 | $10K | 20.98% |
| USI INSURANCE SERVICES LLC3 | 9700 ORMSBY STATION ROAD, SUITE 200 LOUISVILLE, KY 40242 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.39% |
| RHONDA S PAPE3 Filed as: RHONDA S. PAPE | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.22% |
| DANE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.72% |
| COLE PAPE3 | 115 EAST PLATT STREET MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.64% |
| CHRISTOPHER STROUD3 | 269 ROBERTSON WAY LINCOLN PARK, NJ 07035 | TRANSAMERICA LIFE INSURANCE COMPANY | $576 | $0 | $576 | 2.62% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | ONE BELMONT AVENUE, SUITE 304 GSB BUILDING BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $64 | $0 | $64 | 0.29% |
| SUNSTAR INSURANCE GROUP LLC3 Filed as: SUNSTAR INSURANCE GROUP, LLC | 2901 ARIZONA AVENUE JOPLIN, MO 64804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.40% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
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 | 505 | 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) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 108 | $824K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 843 | $873K |
| Vision | VISION SERVICE PLAN | 734 | $83K |
| Life insurance(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 796 | $790K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 796 | $741K |
| Long-term disability(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 796 | $768K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 108 | $824K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 796 | $795K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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.