| 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 | $4K | $0 | $4K | 14.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $909 | $909 | 3.38% |
| TERESA BURNETT3 Filed as: TERESA BURNETT AND OTHER AGENTS | 1112 EAST JAMES STREET DERBY, KS 67037 | AFLAC | $745 | $0 | $745 | 4.88% |
| SAIDA K SOSA3 Filed as: SAIDA K. SOSA | 4511 SOUTH FLORA COURT WICHITA, KS 67215 | AFLAC | $379 | $0 | $379 | 2.48% |
| CORNERBANK INSURANCE AGENCY, LLC3 | 900 MAIN STREET WINFIELD, KS 67156 | AFLAC | $337 | $0 | $337 | 2.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 7050 ENGLEWOOD, CO 80155 | AFLAC | $299 | $0 | $299 | 1.96% |
| BRIAN M LEITZEL3 Filed as: BRIAN M. LEITZEL | 7920 WEST KELLOGG DRIVE, SUITE 102 WICHITA, KS 67209 | AFLAC | $201 | $0 | $201 | 1.32% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $185 | $0 | $185 | 1.21% |
| BARRY PARKS3 | 104 WEST GOFF ROAD VALLEY CENTER, KS 67147 | AFLAC | $156 | $0 | $156 | 1.02% |
| 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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 270 | $1.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 270 | $1.5M |
| Vision | VCP SERVICES, INC. | 84 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $27K |
| Short-term disability | AFLAC | 18 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $27K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 270 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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 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.