| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS3 | — | AFLAC | $7K | $237 | $7K | 7.55% |
| JODY HIPP3 | PO BOX 1587 HAYS, KS 67601 | AFLAC | $5K | $228 | $5K | 5.27% |
| ROBERT BURNS FAUGHT JR3 | PO BOX 4566 TOPEKA, KS 66604 | AFLAC | $2K | $58 | $2K | 2.32% |
| DONALE E. WILSON3 | 3957 WEYBRIDGE WAY ANTELOPE, CA 95843 | AFLAC | $1K | $129 | $1K | 1.45% |
| CRAIG ALLEN HENRY PFAFF3 Filed as: CRAIG ALLEN PFAFF | 9672 ELIMIRA CIRCLE SACREMENTO, CA 95827 | AFLAC | $1K | $109 | $1K | 1.43% |
| MARTHA P BUESS3 | 2948 E RAY AVE SALINA, KS 67401 | AFLAC | $1K | $53 | $1K | 1.38% |
| DAN STECKLEIN3 | 2011 CENTRAL AVE, LOWER LEVEL SOUTH DODGE CITY, KS 67801 | AFLAC | $1K | $14 | $1K | 1.35% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 429 | $2.4M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS | 429 | $2.4M |
| Vision | BLUE CROSS BLUE SHIELD OF KANSAS | 429 | $2.4M |
| Life insurance | ADVANCE INSURANCE COMPANY | 360 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 429 | $2.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 360 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.