| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $12K | $34K | 22.95% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $6K | $0 | $6K | 6.96% |
| CHERYL A. MAUS3 | 401 PINE STREET LEBANON, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $505 | $0 | $505 | 3.29% |
| JODY HIPP3 Filed as: JODY K. HIPP | 1601 MEADOW LANE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | $0 | $263 | 1.71% |
| ELIZABETH M. SCHEMPER & AGENTS3 Filed as: ELIZABETH M. SCHEMPER | 1183 NORTH RAILROAD ROAD PRAIRIE VIEW, KS 67664 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | $0 | $214 | 1.39% |
| ANTHONY ELDEE CONNER3 Filed as: ANTHONY E. CONNER | 100 1/2 STATE STREET PHILLIPSBURG, KS 67661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | $0 | $157 | 1.02% |
| KENNETH D MORRIS JR3 Filed as: KENNETH D. MORRIS, JR. AND AGENTS | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 0.92% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | 2804 COUNTRY LANE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | $0 | $126 | 0.82% |
| RANDY WEBER3 Filed as: RANDY W. WEBER | 2010 MAIN STREET TERRACE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 0.59% |
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 | DELTA DENTAL OF KANSAS, INC. | 113 | $85K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $158K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $149K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $149K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.