| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | — | $17K | $17K | 4.58% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 13.23% |
| PATRICIA G ZOELLER3 | P.O. BOX 181 KINGMAN, KS 67068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 13.76% |
| BRIAN M LEITZEL3 | 229 E WILLIAMS STREET, SUITE 501 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.85% |
| CALEB GILMOUR3 | 515 S. MAIN STREET, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.57% |
| TERESA BURNETT3 Filed as: TERESA L BURNETT | 1112 JAMES ST. DERBY, KS 67037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $555 | — | $555 | 0.83% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 E KELLOGG, SUITE 680 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $451 | — | $451 | 0.67% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $395 | — | $395 | 0.59% |
| RUSTY J HELIN3 | 765 W. 6TH COLBY, KS 67701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | — | $329 | 0.49% |
| NATHAN L HARRISON3 Filed as: NATHAN L. HARRISON | 16024 MANCHESTER TER RD., SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.25% |
| KATHY WIEDEMANN3 | 229 E. WILLIAM, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.17% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.10% |
| JOHN A BACON3 | 11630 W. 158TH TERRACE OVERLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.08% |
| CHRISTOPHER THOMAS HIPP3 Filed as: CHRISTOPHER T HIPP | 718 MAIN, SUITE 205 HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JAMES HOMER COOK3 | 1050 N GRETCHEN LANE WICHITA, KS 67206 | AFLAC | $1K | — | $1K | 4.31% |
| PATRICIA ZOELLER3 | PO BOX 181 KINGMAN, KS 67068 | AFLAC | $881 | — | $881 | 3.56% |
| JOHN G CATE3 | 4246 N SWEET BAY STREET WICHITA, KS 67226 | AFLAC | $356 | — | $356 | 1.44% |
| BRIAN L PORTER3 | 8021 E DRESDEN LANE WICHITA, KS 67207 | AFLAC | $349 | — | $349 | 1.41% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVENUE, SUITE 100 WICHITA, KS 67212 | AFLAC | $339 | — | $339 | 1.37% |
| BRIAN M LEITZEL3 | 7920 W KELLOGG DRIVE, SUITE 103 WICHITA, KS 67209 | AFLAC | $120 | — | $120 | 0.48% |
| WILLINGHAM INC3 | 1502 N METCALF ROAD LOUISBURG, KS 66053 | AFLAC | $99 | — | $99 | 0.40% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $91 | — | $91 | 0.37% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $87 | — | $87 | 0.35% |
| ROBERT GELSZAT3 | 11251 E BELLAIRE STREET WICHITA, KS 67207 | AFLAC | $53 | — | $53 | 0.21% |
| JUSTIN C CARSON3 | 7701 E KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $32 | — | $32 | 0.13% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD 2ND FLOOR, SUITE 200 ELLISVILLE, MO 63011 | AFLAC | $27 | — | $27 | 0.11% |
| JOSEPH WESLEY WILLINGHAM3 | 1502 N METCALF ROAD LOUISBURG, KS 66053 | AFLAC | $21 | — | $21 | 0.08% |
| TERESA BURNETT3 | 1112 E JAMES STREET DERBY, KS 67037 | AFLAC | $18 | — | $18 | 0.07% |
| KEVIN D SEAL3 | 1825 E WATERMAN STREET WICHITA, KS 67211 | AFLAC | $12 | — | $12 | 0.05% |
| FBL INSURANCE BROKERAGE INC3 Filed as: FBL INSURANCE BROKERAGE LLC | 2627 KFB PLAZA, SUITE G112 MANHATTAN, KS 66503 | AFLAC | $12 | — | $12 | 0.05% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $11 | — | $11 | 0.04% |
| TERRY S DECKER3 | RR 2 BOX 22 TURPIN, OK 73950 | AFLAC | $9 | — | $9 | 0.04% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DRIVE BOULDER, CO 80304 | AFLAC | $7 | — | $7 | 0.03% |
| JOHN A BACON3 | 13716 PARKHILL OVERLAND PARK, KS 66221 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN A BACON3 | 11630 W 158TH TERRACE OVERLAND PARK, KS 66221 | AFLAC | $3 | — | $3 | 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% |
| ALAN D HURT3 | PO BOX 277 MOUND CITY, KS 66056 | AFLAC | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $2K | — | $2K | 9.92% |
| 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 | — | $28K |
| 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 | — | $5K |
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 | 359 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $88K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $88K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 161 | $361K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 256 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.