| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC. | P.O. BOX 9488 WICHITA, KS 672770488 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $59 | $13K | 6.49% |
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC. | P.O. BOX 9488 WICHITA, KS 67277 | HARTFORD LIFE AND ACCIDENT | $21K | $1K | $22K | 12.72% |
| HARRINGTON HEALTH3 Filed as: HARRINGTON HEALTH SVCS INC. | 780 BROOKSEDGE PLAZA DR WESTERVILLE, OH 430814914 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| HARRINGTON HEALTH3 Filed as: HARRINGTON HEALTH SVCS INC. | 780 BROOKSEDGE PLAZA DR WESTERVILLE, OH 430814914 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 8.06% |
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC. | P.O. BOX 9488 WICHITA, KS 67277 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 6.49% |
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC. | P.O. BOX 9488 WICHITA, KS 67277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $176K |
| SURENCY LIFE & HEALTH INSURANCE EIN 26-1969006 NONE | Insurance agents and brokers Service code 22 | 1619 N. WATERFRONT PARKWAY WICHITA, KS 672789773 | $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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $195K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 639 | $195K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 271 | $174K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $21K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 271 | $174K |
| Stop-loss / reinsurancereinsurance | SUMMIT REINSURANCE SVCS INC - COMPANION | 279 | $239K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 271 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.