| 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 | BLUE CROSS & BLUE SHIELD OF KANSAS | $20K | $0 | $20K | 2.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 N WACO ST, STE 412 WICHITA, KS 672021117 | DELTA DENTAL OF KANSAS, INC. | $2K | $0 | $2K | 4.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 N WACO ST, STE 412 WICHITA, KS 67202 | VISION CARE DIRECT | $2K | $0 | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INS CO | $1K | $68 | $2K | 10.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 320 FEDERAL ST BLUEFIELD, WV 24701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 21.73% |
| JAMES C FLETCHER3 | 2828 E RAY AVE SALINA, KS 67401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 13.68% |
| RIDGE CONSULTING GROUP INC3 | 3303 S MOOSE RUN GODDARD, KS 67052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 12.43% |
| CAITLYN LOUISE HALPAIN3 | 260 W MAIN ST ASSANIA, KS 67416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | $0 | $312 | 2.28% |
| NICOLE MARIE MCKINNEY3 | 7160 FLUSH RD SAINT GEORGE, KS 66535 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | $0 | $251 | 1.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INS CO | $2K | $71 | $2K | 15.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INS CO | $380 | $18 | $398 | 10.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 GODDARD, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $820 | $820 | 55.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $149 | $0 | $149 | 10.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $511 | $511 | 57.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $133 | $0 | $133 | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 8100 E 32ND ST N STE 100 WICHITA, KS 67226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29 | $0 | $29 | 6.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21 | $21 | 4.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 N WACO ST, STE 412 WICHITA, KS 67202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $259 | $259 | 55.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70 | $0 | $70 | 15.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 8100 E 32ND ST N STE 100 WICHITA, KS 67226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36 | $0 | $36 | 8.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $26 | $26 | 6.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 N WACO ST, STE 412 WICHITA, KS 67202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7 | $0 | $7 | 1.67% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS | 128 | $762K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 75 | $50K |
| Vision | VISION CARE DIRECT | 52 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INS CO | 100 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INS CO | 100 | $15K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS | 128 | $762K |
| Other(9 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 342 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.