| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RPS BENEFITS INC3 Filed as: RPS BENEFITS, INC | 5251 W 116TH, SUITE 300 LEAWOOD, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS | $27K | — | $27K | 5.55% |
| RPS BENEFITS INC3 | 5251 W 116TH PL STE 300 LEAWOOD, KS 66211 | AMERITAS LIFE INSURANCE CORP | $10K | — | $10K | 10.00% |
| RHONDA S PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.39% |
| DONALD A DOHERTY3 | 710 WEST 8TH, STE 206 FORT SCOTT, KS 66701 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.57% |
| DANE PAPE3 Filed as: DANE A PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.97% |
| COLE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| JEREMY BOWMAN3 | 1110 BURKE ST. FORT SCOTT, KS 66701 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.79% |
| ALAN PAPE Filed as: ALAN M PAPE | 1150 E PLATT ST. MAQUOKETA, IA 52060 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ASHLEY FARELL Filed as: ASHLEY GARELL | 2915 GREENTOP CT ST. LOUIS, MO 63119 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| RPS BENEFITS INC3 Filed as: RPS BENEFITS INC. | 5251 W 116TH PLACE STE 300 LEAWOOD, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| RPS BENEFITS INC3 | 5251 W 116TH PLACE STE LEAWOOD, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| RPS BENEFITS INC3 | 5251 W 116TH PLACE STE 300 LEAWOOD, KS 66211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| DON DOHERTY3 | 710 W 8TH ST. FORT SCOTT, KS 66701 | ALLSTATE | $9 | — | $9 | 0.94% |
| ALAN PAPE3 | 115 E PLATT ST. MAQUOKETA, IA 52060 | ALLSTATE | $6 | — | $6 | 0.63% |
| DANE PAPE3 | 115 E PLATT ST. MAQUOKETA, IA 52060 | ALLSTATE | $5 | — | $5 | 0.52% |
| COLE PAPE3 Filed as: COLE PAGE | 115 E PLATT ST. MAQUOKETA, IA 52060 | ALLSTATE | $4 | — | $4 | 0.42% |
| JEREMY BOWMAN3 | 1110 BURKE ST. FORT SCOTT, KS 66701 | ALLSTATE | $2 | — | $2 | 0.21% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | $1 | — | $1 | 0.10% |
| GARY MCINTOSH3 | PO BOX 631 IOLA, KS 66749 | ALLSTATE | $1 | — | $1 | 0.10% |
| DON DOHERTY3 | 710 W 8TH ST. SUITE 206 FORT SCOTT, KS 66701 | ALLSTATE | $5 | — | $5 | 1.04% |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | $2 | — | $2 | 0.42% |
| RHONA PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | $1 | — | $1 | 0.21% |
| KEITH OLBERDING, INC3 Filed as: KEITH C OLBERDING | 323 MAIN STREET SENECA, KS 66538 | ALLSTATE | $1 | — | $1 | 0.21% |
| COLE PAPE3 Filed as: COLE M PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | $1 | — | $1 | 0.21% |
| ROGER HARDIN3 | 578 237TH AVE DELMAR, IA 52037 | ALLSTATE | $1 | — | $1 | 0.21% |
| DANE PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | $1 | — | $1 | 0.21% |
| ALLAN SPIEHS3 Filed as: ALLAN SPEIHS | 2840 S 70TH SUIT 7-331 LINCOLN, NE 68506 | ALLSTATE | $1 | — | $1 | 0.21% |
| GARY MCINTOSH3 | PO BOX 631 IOLA, KS 66749 | ALLSTATE | $1 | — | $1 | 0.21% |
| DON DOHERTY3 | 710 W 8TH ST, SUITE 206 FORT SCOTT, KS 66701 | ALLSTATE | — | — | $0 | — |
| DANE PAPE3 | 115 EAST PLATT MAQUOKETA, IA 52060 | ALLSTATE | — | — | $0 | — |
| GARY MCINTOSH3 Filed as: GARY G MCINTOSH | PO BOX 631 IOLA, KS 66749 | ALLSTATE | — | — | $0 | — |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | — | — | $0 | — |
| ALAN PAPE3 | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | — | — | $0 | — |
| JESSE A WING3 Filed as: JESSE WING | 115 E PLATT ST MAQUOKETA, IA 52060 | ALLSTATE | — | — | $0 | — |
| ROGER HARDIN3 | 578 237TH AVE DELMAR, IA 66749 | ALLSTATE | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator Service code 12 | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | $153K |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 321 | $97K |
| Vision | AMERITAS LIFE INSURANCE CORP | 321 | $97K |
| Life insurance(5 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 116 | $99K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 116 | $98K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $22K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 299 | $488K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 116 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.