| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH OLBERDING, INC3 | 323 MAIN STREET SENECA, KS 66538 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 5.00% |
| KEITH OLBERDING, INC3 | 323 MAIN STREET SENECA, KS 66538 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.68% |
| KEITH OLBERDING, INC3 | 323 MAIN STREET SENECA, KS 66538 | ASSURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 28.90% |
| KEITH OLBERDING, INC3 | 323 MAIN STREET SENECA, KS 66538 | VCP SERVICES, INC | $1K | — | $1K | 6.63% |
| KEITH OLBERDING, INC3 | 323 MAIN STREET SENECA, KS 66538 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 12.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 ADMINISTRATOR | Contract Administrator Service code 13 | — | $162K |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 126 | $84K |
| Vision(2 contracts, 2 carriers) | VCP SERVICES, INC | 101 | $30K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 177 | $44K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 101 | $28K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF KANSAS | 284 | $596K |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 177 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.