| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1000 EAST WARRENVILLE ROAD SUITE 230 NAPERVILLE, IL 60563 | STANDARD INSURANCE COMPANY | $10K | $6K | $16K | 8.05% |
| RAYN DAVID WINDHOLZ3 | PO BOX 1225 HAYS, KS 67601 | AFLAC | $928 | $0 | $928 | 5.59% |
| DAVID J WINDHOLZ3 Filed as: DAVID J. WINDHOLZ | PO BOX 1225 HAYS, KS 67601 | AFLAC | $672 | $0 | $672 | 4.05% |
| ANTHONY ELDEE CONNER3 | 1001 1/2 STATE STREET PHILLIPSBURG, KS 67661 | AFLAC | $184 | $0 | $184 | 1.11% |
| JORDAN J SHARP3 Filed as: JORDAN J. SHARP | 1473 TOULON AVENUE HAYS, KS 67601 | AFLAC | $175 | $0 | $175 | 1.05% |
| MJ INSURANCE3 Filed as: RANDY WEBER AND VARIOUS AGENTS | 2010 MAIN STREET TERRACE HAYS, KS 67601 | AFLAC | $139 | $0 | $139 | 0.84% |
| JODY HIPP3 Filed as: JODY K. HIPP | PO BOX 1587 HAYS, KS 67601 | AFLAC | $126 | $0 | $126 | 0.76% |
| MICHELE PFANNENSTIEL3 | 1704 JUDITH DRIVE HAYS, KS 67601 | AFLAC | $101 | $0 | $101 | 0.61% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 290 | $197K |
| Life insurance | STANDARD INSURANCE COMPANY | 290 | $197K |
| Short-term disability | AFLAC | 24 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 290 | $197K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 859 | $951K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 470 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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.