| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $886 | $0 | $886 | 1.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.86% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | VCP SERVICES, INC. | $1K | $0 | $1K | 13.56% |
| TERESA BURNETT3 Filed as: TERESA BURNETT AND OTHER AGENTS | 1112 EAST JAMES STREET DERBY, KS 67037 | AFLAC | $409 | $0 | $409 | 4.57% |
| CORNERBANK INSURANCE AGENCY, LLC3 | 900 MAIN STREET WINFIELD, KS 67156 | AFLAC | $237 | $0 | $237 | 2.65% |
| SAIDA K SOSA3 Filed as: SAIDA SOSA | 4511 SOUTH FLORA COURT WICHITA, KS 67215 | AFLAC | $94 | $23 | $117 | 1.31% |
| NICOLE E ROONEY3 Filed as: NICOLE ROONEY | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $111 | $5 | $116 | 1.30% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | AFLAC | $115 | $0 | $115 | 1.28% |
| CALEB GILMOUR3 | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $76 | $5 | $81 | 0.90% |
| AMERICAN FRONTIER COMPANY3 | PO BOX 495 LINDSBORG, KS 67456 | AFLAC | $75 | $0 | $75 | 0.84% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 117 | $71K |
| Vision | VCP SERVICES, INC. | 110 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $30K |
| Short-term disability | AFLAC | 12 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $30K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.