| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | STANDARD INSURANCE COMPANY | $10K | $5K | $15K | 7.10% |
| RYAN DAVID WINDHOLZ3 Filed as: RYAN WINDHOLZ | PO BOX 1225 HAYS, KS 67601 | AFLAC | $2K | $82 | $2K | 9.30% |
| DAVID J WINDHOLZ3 Filed as: DAVID WINDHOLZ | PO BOX 1225 HAYS, KS 67601 | AFLAC | $2K | $67 | $2K | 6.99% |
| JASON D GROSS3 Filed as: JASON GROSS | 511 SOUTH MAIN STREET KENSINGTON, KS 66951 | AFLAC | $639 | $0 | $639 | 2.72% |
| ANTHONY ELDEE CONNER3 Filed as: ANTHONY CONNER | 1001 1/2 STATE STREET PHILLIPSBURG, KS 67661 | AFLAC | $582 | $31 | $613 | 2.61% |
| MICHELE PFANNENSTIEL3 Filed as: MICHELE PFANNENSTIEL & OTHER AGENTS | 1704 JUDITH DRIVE HAYS, KS 67601 | AFLAC | $283 | $0 | $283 | 1.20% |
| JORDAN J SHARP3 Filed as: JORDAN SHARP | 1473 TOULON AVENUE HAYS, KS 67601 | AFLAC | $161 | $0 | $161 | 0.69% |
| JODY HIPP3 | PO BOX 1587 HAYS, KS 67601 | AFLAC | $119 | $0 | $119 | 0.51% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 287 | $211K |
| Life insurance | STANDARD INSURANCE COMPANY | 287 | $211K |
| Short-term disability | AFLAC | 27 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 287 | $211K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 852 | $1.0M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 480 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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."
No prospect flags tripped on this filing.