| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1721 MAGANAVOX WAY FORT WAYNE, IN 46804 | AETNA HEALTH, INC. | $0 | $22K | $22K | 2.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9910 DUPONT CIRCLE DRIVE EAST SUITE 120 FORT WAYNE, IN 46825 | AETNA HEALTH, INC. | $0 | $16K | $16K | 1.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6900 COLLEGE BOULEVARD, SUITE 520 OVERLAND PARK, KS 66211 | DELTA DENTAL OF KANSAS, INC. | $5K | $0 | $5K | 5.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | VCP SERVICES, INC. | $838 | $0 | $838 | 5.00% |
| GAIL A COE3 Filed as: GAIL A. COE | 4600 FARMSTEAD COURT BEL AIRE, KS 67220 | AFLAC | $1K | $52 | $1K | 9.66% |
| HOLLY A. TIMMERMEYER3 | 201 EAST 12TH STREET HAYS, KS 67601 | AFLAC | $1K | $0 | $1K | 7.00% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $640 | $10 | $650 | 4.26% |
| KATHY WIEDEMANN3 Filed as: KATHY WIEDEMANN AND OTHER AGENTS | 220 HIGH VIEW DRIVE BOULDER, CO 80304 | AFLAC | $389 | $0 | $389 | 2.55% |
| JAMES COE3 | 460 FRARMSTEAD COURT BEL AIRE, KS 67220 | AFLAC | $343 | $0 | $343 | 2.25% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 310 WEST CENTRAL AVENUE, SUITE D ANDOVER, KS 67002 | AFLAC | $232 | $0 | $232 | 1.52% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $125 | $10 | $135 | 0.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9910 DUPONT CIRCLE DRIVE EAST SUITE 120 FORT WAYNE, IN 46825 | AETNA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 298.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1721 MAGNAVOX WAY FORT WAYNE, IN 46804 | AETNA LIFE INSURANCE COMPANY | $0 | $70 | $70 | 1.37% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 288 | $868K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 159 | $97K |
| Vision | VCP SERVICES, INC. | 73 | $17K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 288 | $868K |
| Other(2 contracts, 2 carriers) | AFLAC | 300 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.