| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 215 SOUTHWIND PL STE 1B MANHATTAN, KS 665033173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $153K | $32K | $185K | 18.04% |
| WOODY FINANCIAL GROUP INC3 | 7311 W 130TH ST #130 OVERLAND PARK, KS 66213 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 E. 32ND ST. N SUITE 100 WICHITA, KS 67226 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $439 | — | $439 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 15.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 1611 10TH STREET AURORA, NE 68818 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $569 | — | $569 | 0.24% |
| PLATTE VALLEY INSURANCE CORP3 | 509 W. KOENIG ST. GRAND ISLAND, NE 68801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $569 | — | $569 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 215 SOUTHWIND 1B MANHATTAN, KS 66503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 11.45% |
| WOODY FINANCIAL GROUP INC3 Filed as: WOODY FINANCIAL GROUP, INC | 7311 W. 130TH ST #130 OVERLAND PARK, KS 66213 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 215 SOUTHWIND PL STE 1B MANHATTAN, KS 665033173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 17.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT INC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 1090 GREAT BEND, KS 67530 | $266K |
| DARRELL PHILLIPS INC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 215 SOUTHWIND, STE 201 MANHATTAN, KS 66503 | $152K |
| WPPA CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1102 S. HILLSIDE WICHITA, KS 67211 | $80K |
| MEDTRAK CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 7101 COLLEGE BLVD, STE 1000 OVERLAND PARK, KS 66210 | $71K |
| TRIA HEALTH CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 7101 COLLEGE BLVD. STE 1000 OVERLAND PARK, KS 66210 | $68K |
| MEDWATCH, LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 120 INTERNATIONAL PKWY STE 220 LAKE MARY, FL 32746 | $29K |
| MIDLANDS CHOICE CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 8420 W DODGE ROAD STE 210 OMAHA, NE 68114 | $18K |
| JACKSON LEWIS ATTORNEY | Accounting (including auditing); Legal Service code 10 | PO BOX 416019 BOSTON, MA 02241 | $12K |
| FIRST HEALTH CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 23291 NETWORK PLACE CHICAGO, IL 606731232 | $9K |
| DELTA DENTAL OF KANSAS ADMINISTRATOR REINSURANCE | Insurance services Service code 23 | PO BOX 3806 WICHITA, KS 67201 | $8K |
| DOUBLE EAGLE INSURANCE SERVICE INSURANCE SERVICES | Insurance services Service code 23 | PO BOX 26266 OVERLAND PARK, KS 66225 | $7K |
| KANSAS INSURANCE DEPARTMENT INSURANCE PROVIDED | Insurance services; Accounting (including auditing) Service code 10 | 420 SW 9TH STREET TOPEKA, KS 66612 | $6K |
| BKD, LLP PLAN AUDITOR | Accounting (including auditing) Service code 10 | 1551 N. WATERFRONT PARKWAY, STE 300 WICHITA, KS 67206 | $6K |
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 | 1,393 | 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) | 1,393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $62K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 30 | $19K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,393 | $1.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,393 | $1.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,393 | $1.0M |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE - SUMMIT REINSURANCE | 1,393 | $495K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,393 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,393 | — |
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.
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.