| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8110E32NDSTNSTE 100 WICHITA, KS 67226 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 4.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS-WICHITA | 8110 E. 32ND ST. N, SUITE 100 WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $9K | — | $9K | 8.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8110 E. 32ND STREET N, STE 100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FL BUFFALO, NY 14204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS-WICHITA | 8110 E. 32ND ST. N, SUITE 100 WICHITA, KS 67226 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.23% |
| LIAZON BENEFITS INC3 Filed as: LIAZON CORPORATION-EXCHANGE | 199 SCOTT ST, 8TH FL BUFFALO, NY 14204 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $278 | — | $278 | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8110 E. 32ND STREET N, STE 100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $159 | $2K | 16.60% |
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 | 357 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 314 | $1.1M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 163 | $115K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 267 | $23K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 357 | $63K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 357 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.