| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $7K | $23K | 21.69% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 5.25% |
| CHERYL A. MAUS3 | PO BOX 236 LEBANON, KS 66952 | AFLAC | $496 | $0 | $496 | 4.01% |
| ANTHONY ELDEE CONNER3 Filed as: ANTHONY E. CONNOR | 1001 1/2 STATE STREET PHILLIPSBURG, KS 67661 | AFLAC | $480 | $0 | $480 | 3.88% |
| JODY HIPP3 Filed as: JODY K. HIPP | PO BOX 1587 HAYS, KS 67601 | AFLAC | $187 | $0 | $187 | 1.51% |
| KENNETH D MORRIS JR3 Filed as: KENNETH MORRIS JR. AND OTHER AGENTS | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $133 | $0 | $133 | 1.08% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $96 | $0 | $96 | 0.78% |
| JORDAN J SHARP3 Filed as: JORDAN J. SHARP | 125 WEST 6TH COLBY, KS 67701 | AFLAC | $93 | $0 | $93 | 0.75% |
| RANDY WEBER3 Filed as: RANDY D. WEBER | 2010 MAIN STREET TERRACE HAYS, KS 67601 | AFLAC | $76 | $0 | $76 | 0.61% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 111 | $93K |
| Vision | AFLAC | 70 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $105K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.