| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUDY KAMPHAUS3 | 4180 112TH RD UDALL, KS 67146 | AFLAC | $2K | — | $2K | 10.79% |
| CORNERBANK INSURANCE AGENCY, LLC3 Filed as: CORNERBANK INS. AGENCY LLC | 900 MAIN WINFIELD, KS 67156 | AFLAC | $607 | — | $607 | 3.00% |
| JEREMIAH D POPELKA3 Filed as: JEREMIAH POPELKA | 315 HOUSTON ST MANHATTAN, KS 66502 | AFLAC | $400 | — | $400 | 1.98% |
| CALEB GILMOUR3 | 515 S. MAIN ST WICHITA, KS 67202 | AFLAC | $263 | — | $263 | 1.30% |
| TERESA BURNETT3 | 1112 E. JAMES ST. DERBY, KS 67037 | AFLAC | $165 | — | $165 | 0.82% |
| AMERICAN FRONTIER COMPANY3 | PO BOX 495 LINDSBORG, KS 67456 | AFLAC | $123 | — | $123 | 0.61% |
| MARC HOMAN3 | 11828 W CENTRAL AVE WICHITA, KS 67212 | AFLAC | $80 | — | $80 | 0.40% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $55 | $6 | $61 | 0.30% |
| DEVON SCHAFER3 | 1102 NOTTHINGHAM RD ENID, OK 73703 | AFLAC | $55 | — | $55 | 0.27% |
| NATHAN HARRISON3 | 16024 MANCHESTER RD ELLISVILLE, MO 63011 | AFLAC | $46 | — | $46 | 0.23% |
| GAIL COE3 | 4600 FARMSTEAD CT BEL AIRE, KS 67220 | AFLAC | $41 | — | $41 | 0.20% |
| KEVIN D SEAL3 Filed as: KEVIN SEAL | 4111 N. PLUM TREE ST WICHITA, KS 67226 | AFLAC | $39 | — | $39 | 0.19% |
| EUGENIA JENKS-WHITSITT3 | 1210 CANSLER DR ENID, OK 73703 | AFLAC | $30 | — | $30 | 0.15% |
| JOHN C MAGNUSON3 Filed as: JOHN MAGNUSON | PO BOX 8 LINDSBORG, KS 67456 | AFLAC | $28 | — | $28 | 0.14% |
| GINGER D YOUNG3 Filed as: GINGER YOUNG | 8233 W MEADOW PASS WICHITA, KS 67205 | AFLAC | $25 | — | $25 | 0.12% |
| MICHAEL D CHRISMAN3 Filed as: MICHAEL CHRISSMAN | 515 S MAIN ST WICHITA, KS 67202 | AFLAC | $19 | $6 | $25 | 0.12% |
| GARY GIARRATANO3 | 13309 W 73RD ST SHAWNEE, KS 66216 | AFLAC | $22 | — | $22 | 0.11% |
| BRAD SCHUMACHER3 | 718 MAIN ST HAYS, KS 67601 | AFLAC | $20 | — | $20 | 0.10% |
| LARRY BARR3 | 6950 KENTFORD CIRCLE WICHITA, KS 67226 | AFLAC | $17 | — | $17 | 0.08% |
| WILLINGHAM INC3 Filed as: WILLINGHAM INC. | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $16 | — | $16 | 0.08% |
| BOBBY STEWART3 | 3501 FRENCH PARK DR EDMOND, OK 73034 | AFLAC | $15 | — | $15 | 0.07% |
| SAMUEL A MCFALL3 Filed as: SAMUEL MCFALL | 609 N BROADWAY WICHITA, KS 67214 | AFLAC | $14 | — | $14 | 0.07% |
| KENNETH MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $13 | — | $13 | 0.06% |
| CHRISTOPHER THOMAS HIPP3 Filed as: CHRISTOPHER HIPP | 718 MAIN ST HAYS, KS 67601 | AFLAC | $8 | — | $8 | 0.04% |
| SUE TUCKER3 | 1224 PEACOCK AVE COLUMBUS, GA 31906 | AFLAC | $7 | — | $7 | 0.03% |
| LARRY D DENNY3 Filed as: LARRY DENNY | PO BOX 306 WETUMKA, OK 74883 | AFLAC | $6 | — | $6 | 0.03% |
| LYNN E MOLLER3 Filed as: LYNN MOLLER | 332 E 1 ST N WICHITA, KS 67202 | AFLAC | $2 | — | $2 | 0.01% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $994 | $3K | 21.24% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC. | 175 SOUTH 3RD ST COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $117 | $117 | 0.73% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $597 | $2K | 22.27% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC. | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $64 | $64 | 0.78% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $755 | $409 | $1K | 19.84% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC. | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $44 | $44 | 0.75% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 308 | $1.4M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 145 | $91K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $22K |
| Short-term disability | AFLAC | 29 | $20K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $8K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 308 | $1.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 180 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.