| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DARRELL PHILLIPS INC | 215 SOUTHWIND RD STE 201 MANHATTAN, KS 66503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.49% |
| WOODY FINANCIAL GROUP INC | 7311 W 130TH ST #130 OVERLAND PARK, KS 66213 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 0.17% |
| DARRELL PHILLIPS INC | 215 SOUTHWIND RD STE 201 MANHATTAN, KS 66503 | SURENCY LIFE AND HEALTH | $965 | — | $965 | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SVCS INC | 8100 E 32ND ST N STE 100 WICHITA, KS 67226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $772 | — | $772 | 10.11% |
| DARRELL PHILLIPS INC | 215 SOUTHWIND RD STE 201 MANHATTAN, KS 66503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $650 | — | $650 | 8.51% |
| DARRELL PHILLIPS INC | 215 SOUTHWIND RD STE 201 MANHATTAN, KS 66503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $725 | — | $725 | 16.81% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 219 | $808K |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS | 219 | $808K |
| Vision(2 contracts, 2 carriers) | SURENCY LIFE AND HEALTH | 33 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $24K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $19K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 219 | $808K |
| Stop-loss / reinsurancereinsurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.