| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARRELL PHILLIPS INC3 Filed as: DARRELL PHILLIPS | 215 SOUTHWIND, SUITE 201 MANHATTAN, KS 66503 | ONEAMERICA | $6K | — | $6K | 4.14% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | VISION SERVICE PLAN | $787 | — | $787 | 2.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT LLC EIN 48-1168746 ADMINISTRATOR | Contract Administrator Service code 13 | — | $56K |
| CWI BENEFITS, INC EIN 57-0870204 ADMINISTRATOR | Contract Administrator Service code 13 | — | $39K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $13K |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 163 | $29K |
| Life insurance | ONEAMERICA | 615 | $144K |
| Short-term disability | ONEAMERICA | 615 | $144K |
| Long-term disability | ONEAMERICA | 615 | $144K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 179 | $384K |
| Other | ONEAMERICA | 615 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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."
No prospect flags tripped on this filing.