| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRAD J SCHUMACHER3 Filed as: BRAD SCHUMACHER AND OTHER AGENTS | 718 MAIN STREET, SUITE 205 HAYS, KS 67601 | AFLAC | $5K | $35 | $5K | 4.26% |
| CHERYL MAUS3 | PO BOX 236 LEBANON, KS 66952 | AFLAC | $4K | $176 | $4K | 3.33% |
| JODY HIPP3 | PO BOX 1587 HAYS, KS 67601 | AFLAC | $3K | $66 | $3K | 2.45% |
| RANDY MAUS3 | PO BOX 236 LEBANON, KS 66952 | AFLAC | $2K | $89 | $2K | 1.68% |
| ALICIA WARNER3 | PO BOX 205 LEBANON, KS 66952 | AFLAC | $2K | $1 | $2K | 1.58% |
| LINDA SCOTT3 | PO BOX 236 LEBANON, KS 66952 | AFLAC | $2K | $0 | $2K | 1.23% |
| MARK FRIEHE3 | 4611 SOUTH 96TH STREET SUITE 101 OMAHA, NE 68127 | AFLAC | $963 | $0 | $963 | 0.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $179 | $13K | 15.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $278 | $278 | 0.33% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 5.25% |
| TIG ADVISORS3 Filed as: TIG, LLC | 416 STATE STREET AUGUSTA, KS 67010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $878 | $0 | $878 | 1.24% |
No Schedule C service providers reported on this filing.
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AFLAC | 148 | $202K |
| Vision | AFLAC | 148 | $126K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $162K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $155K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $155K |
| Other(4 contracts, 4 carriers) | AFLAC | 155 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.