| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | — | $18K | $18K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $2K | $13K | 16.23% |
| PATRICIA G ZOELLER3 | P.O. BOX 181 KINGMAN, KS 67068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 13.77% |
| CALEB GILMOUR3 | 515 S. MAIN STREET, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $809 | — | $809 | 1.42% |
| RUSTY J HELIN3 | 515 S MAIN, SUITE 105 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $806 | — | $806 | 1.42% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 E KELLOGG, SUITE 680 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | — | $646 | 1.13% |
| TERESA BURNETT3 Filed as: TERESA L BURNETT | 1112 JAMES ST. DERBY, KS 67037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $580 | — | $580 | 1.02% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | PO BOX 762 HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $405 | — | $405 | 0.71% |
| NATHAN L HARRISON3 Filed as: NATHAN L. HARRISON | 16024 MANCHESTER TER RD., SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 0.30% |
| KATHY WIEDEMANN3 | 229 E. WILLIAM, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.22% |
| BRIAN M LEITZEL3 | 229 E WILLIAMS STREET, SUITE 501 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.21% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.12% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVE DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.10% |
| CHRISTOPHER THOMAS HIPP3 Filed as: CHRISTOPHER T HIPP | 718 MAIN, SUITE 205 HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $2K | — | $2K | 9.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $164K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $26K |
| DELTA DENTAL OF KANSAS EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $11K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 ADMINISTRATOR | Contract Administrator Service code 13 | — | $4K |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 332 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 232 | $82K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 232 | $82K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 174 | $368K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 232 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.