| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 17.89% |
| TERESA BURNETT3 Filed as: TERESA BURNETT AND OTHER AGENTS | 1112 EAST JAMES STREET DERBY, KS 67037 | AFLAC | $743 | $10 | $753 | 4.11% |
| CORNERBANK INSURANCE AGENCY, LLC3 | 900 MAIN STREET WINFIELD, KS 67156 | AFLAC | $434 | $0 | $434 | 2.37% |
| SAIDA K SOSA3 Filed as: SAIDA K. SOSA | 4511 SOUTH FLORA COURT WICHITA, KS 67215 | AFLAC | $282 | $50 | $332 | 1.81% |
| JEREMIAH D POPELKA3 Filed as: JEREMIAH D. POPELKA | 315 HOUSTON STREET, SUITE C MANHATTAN, KS 66502 | AFLAC | $162 | $0 | $162 | 0.88% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $151 | $10 | $161 | 0.88% |
| TRUDY KAMPHAUS3 | 4180 112TH ROAD UDALL, KS 67146 | AFLAC | $151 | $0 | $151 | 0.82% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $148 | $0 | $148 | 0.81% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | VCP SERVICES, INC. | $1K | $0 | $1K | 10.00% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 298 | $1.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 298 | $1.4M |
| Vision | VCP SERVICES, INC. | 84 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $31K |
| Short-term disability | AFLAC | 20 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $31K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 298 | $1.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.