| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AETNA HEALTH, INC. | $20K | — | $20K | 2.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1721 MAGNAVOX WAY FORT WAYNE, IN 46804 | AETNA HEALTH, INC. | $8K | — | $8K | 1.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6900 COLLEGE BOULEVARD, SUITE 520 OVERLAND PARK, KS 66211 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 4.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | — | $275 | $275 | 2.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1721 MAGNAVOX WAY FORT WAYNE, IN 46804 | AETNA LIFE INSURANCE COMPANY | — | $98 | $98 | 0.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 100 NE 3RD AVENUE, SUITE 610 FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | — | $92 | $92 | 0.88% |
| GAIL COE3 | 4600 FARMSTEAD COURT BEL AIRE, KS 67220 | AFLAC | $533 | $30 | $563 | 6.88% |
| HOLLY A. TIMMERMEYER3 Filed as: HOLLY TIMMERMEYER | 201 EAST 12TH STREET HAYS, KS 67601 | AFLAC | $344 | $70 | $414 | 5.06% |
| JUSTIN C CARSON3 Filed as: JUSTIN CARSON | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $241 | $22 | $263 | 3.22% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DRIVE BOULDER, CO 80904 | AFLAC | $143 | $22 | $165 | 2.02% |
| MJ INSURANCE3 Filed as: NATHAN HARRISON AND VARIOUS AGENTS | 16024 MANCHESTER ROAD, 2ND FLOOR SUITE 200 ELLISVILLE, MO 63011 | AFLAC | $127 | $11 | $138 | 1.69% |
| MICHAEL PLETT3 | 1618 AVENUE H ELLSWORTH, KS 67439 | AFLAC | $31 | — | $31 | 0.38% |
| JAMES COE3 | 4600 FARMSTEAD COURT BEL AIRE, KS 67220 | AFLAC | $28 | — | $28 | 0.34% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 232 | $785K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 143 | $83K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 232 | $785K |
| Other(2 contracts, 2 carriers) | AFLAC | 270 | $14K |
| 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."
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.