| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND SUITE 201 MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | — | $41K | 13.40% |
| DARRELL PHILLIPS INC3 Filed as: DARRELL PHILLIPS | 215 SOUTHWIND SUITE 201 MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 16.70% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND SUITE 201 MANHATTAN, KS 66503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 15.27% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND SUITE 201 MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 17.00% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND SUITE 201 MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 14.20% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL STE 1B MANHATTAN, KS 665033173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $5K | 9.05% |
| DARRELL PHILLIPS INC3 Filed as: DARRELL PHILLIPS | 215 SOUTHWIND SUITE 201 MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 17.00% |
| DARRELL PHILLIPS INC3 | 215 SOUTHWIND PL STE 1B MANHATTAN, KS 665033173 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 19.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT INC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 1090 GREAT BEND, KS 67530 | $310K |
| DARRELL PHILLIPS INC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 215 SOUTHWIND, STE 201 MANHATTAN, KS 66503 | $124K |
| MEDTRAK CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 7101 COLLEGE BLVD, STE 1000 OVERLAND PARK, KS 66210 | $75K |
| WPPA CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1102 S. HILLSIDE WICHITA, KS 67211 | $68K |
| MEDWATCH, LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 120 INTERNATIONAL PKWY STE 220 LAKE MARY, FL 32746 | $29K |
| FIRST HEALTH CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 23291 NETWORK PLACE CHICAGO, IL 606731232 | $18K |
| MIDLANDS CHOICE CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 8420 W DODGE ROAD STE 210 OMAHA, NE 68114 | $13K |
| POLSINELLI PC LEGAL | Legal Service code 29 | 900 W 48TH PLACE, SUITE 900 KANSAS CITY, MO 64112 | $11K |
| BKD LLP PLAN AUDITOR | Accounting (including auditing) Service code 10 | 1551 N WATERFRONT PKWY, SUITE 300 WICHITA, KS 67206 | $11K |
| KANSAS INSURANCE DEPARTMENT INSURANCE PROVIDED | Insurance services Service code 23 | 420 SW 9TH STREET TOPEKA, KS 66612 | $8K |
| JACKSON LEWIS ATTORNEY | Legal Service code 29 | PO BOX 416019 BOSTON, MA 02241 | $5K |
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 | 1,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $58K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $29K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,343 | $303K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,246 | $250K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE - SUMMIT REINSURANCE | 1,122 | $621K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,343 | $850K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,343 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.