| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | TOKIO MARINE | $12K | — | $12K | 4.59% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 12.11% |
| JAMES HOMER COOK3 | 1050 N GRETCHEN LANE WICHITA, KS 67206 | AFLAC | $1K | — | $1K | 4.50% |
| PATRICIA ZOELLER3 | P.O. BOX 181 KINGMAN, KS 67068 | AFLAC | $663 | $31 | $694 | 2.73% |
| JOHN G CATE3 Filed as: JOHN G. CATE | 4246 N SWEET BAY STREET WICHITA, KS 67226 | AFLAC | $406 | — | $406 | 1.60% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVE, SUITE 100 WICHITA, KS 67212 | AFLAC | $358 | — | $358 | 1.41% |
| BRIAN L PORTER3 Filed as: BRIAN L. PORTER | 8021 E DRESDEN LANE WICHITA, KS 67207 | AFLAC | $325 | — | $325 | 1.28% |
| WILLINGHAM INC3 Filed as: WILLINGHAM INC. | 1502 N METCALF LOUISBERG, KS 66053 | AFLAC | $110 | — | $110 | 0.43% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | 718 MAIN STREET, SUITE 205 HAYS, KS 67601 | AFLAC | $95 | — | $95 | 0.37% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 E KELLOGG, SUITE 680 WICHITA, KS 67207 | AFLAC | $85 | $6 | $91 | 0.36% |
| ROBERT GELSZAT3 | 11251 E BELLAIRE STREET WICHITA, KS 67207 | AFLAC | $44 | — | $44 | 0.17% |
| INSURANCE INTERMEDIARIES INC3 Filed as: INSURANCE INTERMEDIARIES INC. | 280 N HIGH STREET, SUITE 300 COLUMBUS, OH 43215 | AFLAC | $38 | — | $38 | 0.15% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 310 W CENTRAL AVENUE, SUITE D ANDOVER, KS 67002 | AFLAC | $31 | — | $31 | 0.12% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DRIVE BOULDER, CO 80304 | AFLAC | $22 | $6 | $28 | 0.11% |
| TERESA BURNETT3 | 1112 JAMES ST. DERBY, KS 67037 | AFLAC | $27 | — | $27 | 0.11% |
| NATHAN L HARRISON3 Filed as: NATHAN L. HARRISON | 16024 MANCHESTER TER RD., 2ND FL., STE. 200 ELLISVILLE, MO 63011 | AFLAC | $25 | — | $25 | 0.10% |
| JOSEPH WESLEY WILLINGHAM3 | 1502 N METCALF ROAD LOUISBURG, KS 66053 | AFLAC | $21 | — | $21 | 0.08% |
| KEVIN D SEAL3 | PO BOX 6 ARLINGTON, KS 67514 | AFLAC | $11 | — | $11 | 0.04% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $9 | — | $9 | 0.04% |
| TERRY S DECKER3 | ROUTE 2 BOX 22 TURPIN, OK 73950 | AFLAC | $7 | — | $7 | 0.03% |
| JOHN A BACON3 | 1025 DURHAM GARDEN COURT O FALLON, MO 63368 | AFLAC | $4 | — | $4 | 0.02% |
| ALAN D HURT3 Filed as: ALAN D. HURT | PO BOX 277 MOUND CITY, KS 66056 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES E SHEPARD3 Filed as: JAMES E. SHEPARD | 11150 GREENWOOD STREET, APT 323 LENEXA, KS 66215 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN MILLS3 | 1402 W LUCY WEBB ROAD RAYMORE, MO 64083 | AFLAC | $1 | — | $1 | 0.00% |
| JONI S WOBORNY BUNKER3 | 1837 VIRGINIA DRIVE MANHATTAN, KS 66502 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVE DARDENNE PRAIRIE, MO 63368 | AFLAC | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE AND HEALTH INSURANCE COMPANY | $443 | — | $443 | 2.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYE MED | $1K | — | $1K | 11.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $113K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $26K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATOR | Contract Administrator Service code 13 | — | $6K |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYE MED | 289 | $12K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $74K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $74K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 151 | $255K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 214 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.