| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | VCP SERVICES, INC. | $3K | — | $3K | 10.00% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING INC. | PO BOX 100 HAYES, KS 67601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.55% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | 2804 COUNTRY LN HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $293 | — | $293 | 4.60% |
| DAVID J WINDHOLZ3 | 1101 FAIRWAY DR HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 3.15% |
| TIMOTHY J SCHUMACHER3 Filed as: TIMOTHY SCHUMACHER | PO BOX 657 HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 1.46% |
| RANDY WEBER3 Filed as: RANDY D WEBER | 2010 MAIN ST. TERRACE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.67% |
| NATHAN L HARRISON3 | 16024 MANCHESTER RD STE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.58% |
| JOSEPH A. BREWSTER3 Filed as: JOSEPH A BREWSTER | 207 NORTH FREEMAN PLAINVILLE, KS 67663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.55% |
| ALLEN E. JAMES3 Filed as: ALLEN E JAMES | 412 N MAIN WAKEENEY, KS 67672 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.44% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.41% |
| RANDAL J BECK3 | 2506 TIMBER DR HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.31% |
| JODY HIPP3 Filed as: JODY K HIPP | PO BOX 1587 HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| JOHN A BACON3 | 11630 W 158TH TERRACE OVERLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| SHAWN D SCHWARZ3 | 1010 DOWNING AVENUE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| JORDAN J SHARP3 | 125 W. 6TH COLBY, KS 67701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING INC. | PO BOX 100 HAYES, KS 67601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $469 | — | $469 | 10.00% |
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 | 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 |
|---|---|---|---|
| Dental | CONTINENTAL AMERICAN INSURANCE COMPANY | 110 | $6K |
| Vision | VCP SERVICES, INC. | 191 | $26K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $26K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 110 | $6K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.