| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $76K | $0 | $76K | 5.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67226 | ADVANCE INSURANCE COMPANY OF KANSAS | $5K | $0 | $5K | 3.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $8K | $0 | $8K | 8.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $539 | $3K | 8.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NORTH SUITE 100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.17% |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 313 | $1.5M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 187 | $103K |
| Vision | VISION SERVICE PLAN | 169 | $34K |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 292 | $140K |
| Short-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 292 | $140K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 313 | $1.5M |
| Other(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 292 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.