| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10333 E 21ST ST N, SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $597 | $4K | 20.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10333 E 21ST ST N, SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $993 | $135 | $1K | 18.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SPENCER FANE, LLP EIN 44-0561981 LEGAL | Direct payment from the plan; Legal Service code 29 | 1000 WALNUT STREET 1400 KANSAS CITY, MO 64106 | $10K |
| MORROW & CO. LLC EIN 48-1142797 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | 10500 E BERKELEY SQ PWKY WICHITA, KS 67206 | $9K |
| SOUTHWEST NATIONAL BANK TRUST DEPT. CUSTODIAN/INVESTMENT ADV | Custodial (securities); Investment advisory (plan) Service code 19 | PO BOX 1401 316-291-5205 WICHITA, KS 67201 | $6K |
| GALLAGHER BENEFIT SERVICES, INC EIN 36-4291971 ADMINISTRATIVE & OTHER | Direct payment from the plan; Consulting (general) Service code 16 | 10333 E 21ST ST N,STE 104 WICHITA, KS 67226 | $2K |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $6K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $21K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.