| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $62K | $62K | 4.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | ADVANCE INSURANCE COMPANY OF KANSAS | $5K | $0 | $5K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2323 GRAND BOULEVARD KANSAS CITY, MO 64108 | DELTA DENTAL OF KANSAS, INC. | $9K | $0 | $9K | 8.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 EAST 21ST STREET NORTH SUITE 104 WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $432 | $4K | 7.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.98% |
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) | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $1.4M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 179 | $106K |
| Vision | VISION SERVICE PLAN | 166 | $34K |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 289 | $157K |
| Short-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 289 | $157K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $1.4M |
| Other(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 289 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.