| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTURY HEALTH SOLUTIONS3 | 2951 SW WOODSIDE DRIVE TOPEKA, KS 66614 | AETNA LIFE INSURANCE COMPANY | $311K | $0 | $311K | 12.39% |
| CENTURY HEALTH SOLUTIONS3 | PO BOX 1676 TOPEKA, KS 66601 | AETNA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 1.12% |
| CENTURY HEALTH SOLUTIONS3 | PO BOX 1676 TOPEKA, KS 66601 | VCP SERVICES, INC | $40K | $0 | $40K | 10.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA | $102K | $0 | $102K | 49.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 19087 | TRANSAMERICA | $55K | $0 | $55K | 26.92% |
| EBC, INC.3 | PO BOX 20443 INDIANAPOLIS, IN 46220 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 3.29% |
| CENTURY HEALTH SOLUTIONS3 | PO BOX 1676 TOPEKA, KS 66601 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 2.19% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS | 11225 COLLEGE BOULEVARD, SUITE 105 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 18.73% |
| GINA M. OCHSNER3 | PO BOX 1676 TOPEKA, KS 66614 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 10.76% |
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 | 3,511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,035 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VCP SERVICES, INC | 4,152 | $397K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 4,582 | $2.8M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,582 | $2.6M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 4,582 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,582 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.