| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL PLANNING & CONSULTIN3 | 620 E 30TH STE 220 HUTCHINSON, KS 67502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.02% |
| BENEFIT PLUS INC3 | 620 E 30TH ST STE 220 HUTCHINSON, KS 67502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.15% |
| BENEFIT PLUS INC3 | 620 E 30TH ST STE 220 HUTCHINSON, KS 67502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157 | — | $157 | 5.65% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT, LLC | 2015 16TH STREET P.O. BOX 1090 GREAT BEND, KS 67530 | COMPANION LIFE | $148 | $25K | $25K | — |
| WPPA INC3 Filed as: WPPA (PROVIDRS CARE NETWORK) | 1102 S HILLSIDE WICHITA, KS 67211 | COMPANION LIFE | — | $10K | $10K | — |
| MEDWATCH LLC3 Filed as: MEDWATCH, LLC | PO BOX 952679 LAKE MARY, FL 327952679 | COMPANION LIFE | — | $2K | $2K | — |
| MEDTRAK SERVICES3 | 7101 COLLEGE BLVD SUITE 1000 OVERLAND PARK, KS 66210 | COMPANION LIFE | — | $493 | $493 | — |
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 | 96 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 96 | $0 |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 151 | $80K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $14K |
| Prescription drug | COMPANION LIFE | 96 | $0 |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 96 | $0 |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.