| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN AMREIN AND OTHER AGENTS3 | 3009 THUNDERBIRD COURT HAYS, KS 67601 | AFLAC | $4K | $0 | $4K | 3.43% |
| CHERYL MAUS3 | PO BOX 236 LEBANON, KS 66952 | AFLAC | $3K | $192 | $4K | 3.28% |
| JODY HIPP3 | PO BOX 1587 HAYS, KS 67601 | AFLAC | $2K | $94 | $2K | 2.21% |
| RANDY MAUS3 | PO BOX 236 LEBANON, KS 66952 | AFLAC | $1K | $109 | $2K | 1.43% |
| MARK FRIEHE3 | 11218 HOHN GALT BOULEVARD SUITE 101 OMAHA, NE 68137 | AFLAC | $856 | $0 | $856 | 0.77% |
| BRAD SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $749 | $0 | $749 | 0.68% |
| THE HOMETOWN AGENCY3 | PO BOX 507 CAMBRIDGE, NE 69022 | AFLAC | $667 | $0 | $667 | 0.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $6K | $19K | 21.32% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $3K | $0 | $3K | 4.00% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AFLAC | 151 | $190K |
| Vision | AFLAC | 151 | $111K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $89K |
| Other(3 contracts, 3 carriers) | AFLAC | 151 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.