| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL, SUITE 1B MANHATTAN, KS 66503 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.53% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL, SUITE 1B MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL, SUITE 1B MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.69% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL, SUITE 1B MANHATTAN, KS 66503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 21.09% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFITS SVCS INC | PO BOX 40948 INDIANAPOLIS, IN 462400948 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $207 | — | $207 | 1.28% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL, SUITE 1B MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.84% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL, SUITE 1B MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DARRELL PHILLIPS INC | 215 SOUTHWIND PL, SUITE 1B MANHATTAN, KS 66503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 21.40% |
| DARRELL PHILLIPS INC3 | 3106 AMHERST AVE MANHATTAN, KS 66503 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 23.91% |
| ERWIN J. COON3 | 10990 NW TOWNER DRIVE GRIMES, IA 50111 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $452 | — | $452 | 6.96% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL, SUITE 1B MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $395 | — | $395 | 14.13% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL, SUITE 1B MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $235 | — | $235 | 15.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 NONE | Insurance services; Contract Administrator Service code 13 | 1133 SW TOPEKA BOULEVARD TOPEKA, KS 666290001 | $66K |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 47 | $23K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $13K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $26K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $42K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $20K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF KANSAS | 179 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.