| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 5.88% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.39% |
| KEITH OLBERDING, INC3 Filed as: KEITH C. OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 21.77% |
| DANE ALAN PAPE3 | UNKNOWN SENECA, KS 66538 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.01% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | VCP SERVICES, INC. | $1K | $0 | $1K | 10.00% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | AMERITAS LIFE INSURANCE CORP. | $984 | $0 | $984 | 12.25% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INSURANCE SERVICES | UNKNOWN SENECA, KS 66538 | MEDICAL AIR SERVICES ASSOCIATION, INC | $317 | $0 | $317 | 9.89% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN STREET SENECA, KS 66538 | MEDICAL AIR SERVICES ASSOCIATION, INC | $164 | $0 | $164 | 5.12% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL AIR SERVICES ASSOCIATION, INC | 21 | $3K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 141 | $92K |
| Vision(2 contracts, 2 carriers) | VCP SERVICES, INC. | 121 | $22K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 192 | $49K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 98 | $27K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 192 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.