| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HCC LIFE INSURANCE COMPANY | — | $23K | $23K | 5.00% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 18.08% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 3.62% |
| PATRICIA G ZOELLER3 | 1825 N COUNTRY CLUB LANE KINGMAN, KS 67068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.04% |
| BRIAN M LEITZEL3 | 7920 W KELLOGG DRIVE, SUITE 102 WICHITA, KS 67209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | — | $325 | 1.00% |
| TERESA BURNETT3 Filed as: TERESA L BURNETT | 1112 JAMES ST. DERBY, KS 67037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.77% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 220 SWEETGUM COURT ANDOVER, KS 67002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | — | $192 | 0.59% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.37% |
| JUSTIN C CARSON3 | 13614 E MOUNT VERNON ROAD WICHITA, KS 67230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.36% |
| RUSTY J HELIN3 | 2012 SE 9TH STREET MOORE, OK 73160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.32% |
| NATHAN L HARRISON3 | 2 CITYPLACE DRIVE, SUITE 30 CREVE COEUR, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.15% |
| KATHY A WIEDEMANN3 | 229 E. WILLIAM, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| JOHN A BACON3 | 30837 SPRING VALLEY ROAD PAOLA, KS 66071 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| CHRISTOPHER THOMAS HIPP3 Filed as: CHRISTOPHER T HIPP | 718 MAIN, SUITE 205 HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EYEMED VISION CARE | $2K | — | $2K | 9.90% |
| JAMES HOMER COOK3 | 8509 E HUNTINGTON STREET WICHITA, KS 67206 | AFLAC | $124 | — | $124 | 5.16% |
| BRIAN L PORTER3 | 8021 E DRESDEN LANE WICHITA, KS 67207 | AFLAC | $42 | — | $42 | 1.75% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVENUE, SUITE 100 WICHITA, KS 67212 | AFLAC | $38 | — | $38 | 1.58% |
| PATRICIA ZOELLER3 | PO BOX 181 KINGMAN, KS 67068 | AFLAC | $33 | — | $33 | 1.37% |
| JOHN G CATE3 | 4246 N SWEET BAY STREET WICHITA, KS 67226 | AFLAC | $30 | — | $30 | 1.25% |
| WILLINGHAM INC3 | 35354 MISSION BELLEVIEW ROAD LOUISBURG, KS 66053 | AFLAC | $12 | — | $12 | 0.50% |
| ROBERT GELSZAT3 | 11251 E BELLAIRE STREET WICHITA, KS 67207 | AFLAC | $10 | — | $10 | 0.42% |
| BRIAN M LEITZEL3 | 7920 W KELLOGG DRIVE, SUITE 102 WICHITA, KS 67209 | AFLAC | $7 | — | $7 | 0.29% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $4 | — | $4 | 0.17% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $4 | — | $4 | 0.17% |
| NATHAN L HARRISON3 | 5301 E VISTA RICA STREET PARADISE VALLEY, AZ 85253 | AFLAC | $3 | — | $3 | 0.12% |
| TERESA BURNETT3 | 1112 E JAMES STREET DERBY, KS 67037 | AFLAC | $2 | — | $2 | 0.08% |
| JOSEPH WESLEY WILLINGHAM3 | 1502 N METCALF ROAD LOUISBURG, KS 66053 | AFLAC | $1 | — | $1 | 0.04% |
| TERRY S DECKER3 | 123401 EW 6 ROAD TURPIN, OK 73950 | AFLAC | $1 | — | $1 | 0.04% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $1 | — | $1 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $67K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $30K |
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 ADMINISTRATOR | Contract Administrator Service code 13 | — | $12K |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 787 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 400 | $160K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 400 | $160K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 180 | $453K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 400 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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.