| 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. | $6K | $0 | $6K | 4.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 16.99% |
| HAYS COMPANIES, INC.3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $547 | $547 | 0.99% |
| TERESA BURNETT3 | 1112 EAST JAMES STREET DERBY, KS 67037 | AFLAC | $3K | $187 | $3K | 14.18% |
| MARK ALAN BRYANT3 Filed as: MARK LUTHER HOMAN AND OTHER AGENTS | 11828 WEST CENTRAL AVENUE SUITE 100 WICHITA, KS 67212 | AFLAC | $545 | $7 | $552 | 2.51% |
| MARK ALAN BRYANT3 Filed as: MARK ALLAN BRYANT | 9122 WEST BIRCH LANE WICHITA, KS 67212 | AFLAC | $395 | $0 | $395 | 1.79% |
| BRIAN M LEITZEL3 Filed as: BRIAN M. LEITZEL | 7920 WEST KELLOGG DRIVE, SUITE 102 WICHITA, KS 67209 | AFLAC | $277 | $2 | $279 | 1.27% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHATA, KS 67202 | AFLAC | $151 | $39 | $190 | 0.86% |
| BRANDON M UNREIN3 Filed as: BRANDON M. UNREIN | 15275 SW INDIANOLA ROAD AUGUSTA, KS 67010 | AFLAC | $120 | $37 | $157 | 0.71% |
| FBL INSURANCE BROKERAGE INC3 Filed as: FBL INSURANCE BROKERAGE, LLC | 2627 KFB PLAZA, SUITE G112 MANHATTAN, KS 66503 | AFLAC | $89 | $0 | $89 | 0.40% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 177 | $148K |
| Vision | VCP SERVICES, INC. | 180 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 207 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,056 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,056 | $55K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 210 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,056 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.