| 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 | $8K | $5K | $13K | 4.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO STE 412 WICHITA, KS 672021117 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO STE 412 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 10.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO STE 412 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 6.75% |
| HARRINGTON HEALTH3 Filed as: HARRINGTON HEALTH SVCS INC. | 780 BROOKSEDGE PLAZA DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 5.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO STE 412 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE | $159 | — | $159 | 0.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC - MIDATLANTI | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.94% |
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC. | P.O. BOX 9488 WICHITA, KS 67277 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $726 | — | $726 | 3.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC - MOUNTAIN | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $205 | — | $205 | 0.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $203K |
| 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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 679 | $262K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 679 | $262K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 295 | $210K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $23K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 295 | $210K |
| Other(3 contracts, 3 carriers) | SUMMIT REINSURANCE SVCS INC - COMPANION | 295 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.