| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT, LLC | 2015 16TH STREET P.O. BOX 1090 GREAT BEND, KS 67530 | COMPANION LIFE | — | $18K | $18K | 11.69% |
| WPPA INC3 Filed as: WPPA (PROVIDRS CARE NETWORK) | 1102 S HILLSIDE WICHITA, KS 67211 | COMPANION LIFE | — | $8K | $8K | 4.88% |
| WESLEY TOWERS, INC3 | 700 MONTEREY PLACE HUTCHINSON, KS 67502 | COMPANION LIFE | — | $5K | $5K | 3.32% |
| MEDWATCH LLC3 Filed as: MEDWATCH, LLC | PO BOX 952679 LAKE MARY, FL 327952679 | COMPANION LIFE | — | $1K | $1K | 0.89% |
| MEDTRAK SERVICES3 | 7101 COLLEGE BLVD SUITE 1000 OVERLAND PARK, KS 66210 | COMPANION LIFE | — | $346 | $346 | 0.22% |
| BENEFIT PLUS INC3 | 620 E 30TH ST STE 220 HUTCHINSON, KS 67502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.55% |
| FINANCIAL PLANNING & CONSULTIN3 | 620 E 30TH STE 220 HUTCHINSON, KS 67502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.20% |
| BENEFIT PLUS INC3 | 620 E 30TH ST STE 220 HUTCHINSON, KS 67502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $96 | — | $96 | 3.39% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 71 | $158K |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 121 | $59K |
| Vision | VCP SERVICES, INC | 79 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $13K |
| Prescription drug | COMPANION LIFE | 71 | $158K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 71 | $158K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.