| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERHAB5 | 1619 N WATERFRONT PKWY WICHITA, KS 672789769 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 3.50% |
| TERESA BURNETT3 | 1112 E JAMES ST DERBY, KS 67037 | AFLAC | $5K | $206 | $5K | 9.71% |
| LYNN E MOLLER3 | 332 E 1ST ST N WICHITA, KS 67202 | AFLAC | $1K | — | $1K | 2.83% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $409 | — | $409 | 0.81% |
| ASHLE BURNETT3 | 1112 E JAMES ST DERBY, KS 67037 | AFLAC | $315 | $11 | $326 | 0.64% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 310 W CENTRAL AVE STE D ANDOVER, KS 67002 | AFLAC | $314 | — | $314 | 0.62% |
| JUSTIN C CARSON3 | 7701 E KELLOGG DR STE 680 WICHITA, KS 67207 | AFLAC | $246 | $40 | $286 | 0.56% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $184 | $40 | $224 | 0.44% |
| REBECCA S MOLLER3 | PO BOX 463 ASHLAND, KS 67831 | AFLAC | $195 | — | $195 | 0.38% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $187 | $3 | $190 | 0.37% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LN HAYS, KS 67601 | AFLAC | $165 | — | $165 | 0.33% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $157 | — | $157 | 0.31% |
| NATHAN L HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR STE 200 ELLISVILLE, MO 63011 | AFLAC | $79 | — | $79 | 0.16% |
| DAN STECKLEIN3 | 2011 CENTRAL AVE LOWER LEVEL SOUTH DODGE CITY, KS 67801 | AFLAC | $71 | — | $71 | 0.14% |
| GARY WAYNE WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $65 | — | $65 | 0.13% |
| JOHN C MAGNUSON3 | PO BOX 8 LINDSBORG, KS 67456 | AFLAC | $60 | — | $60 | 0.12% |
| MITCHELL K HANEY & ASSOC INC3 | 701 MCKINLEY ST GREAT BEND, KS 67530 | AFLAC | $58 | — | $58 | 0.11% |
| GINGER D YOUNG3 | 8233 W MEADOW PASS WICHITA, KS 67205 | AFLAC | $56 | — | $56 | 0.11% |
| GARY GIARRATANO3 | 13309 W 73RD ST SHAWNEE, KS 66216 | AFLAC | $45 | — | $45 | 0.09% |
| DOUGLAS R SCHENKEL3 | 2205 WASHINGTON ST GREAT BEND, KS 67530 | AFLAC | $43 | — | $43 | 0.08% |
| MADONNA L HASKINS3 | 1712 CENTRAL AVE DODGE CITY, KS 67801 | AFLAC | $35 | — | $35 | 0.07% |
| RUSTY J HELIN3 | 125 W 6TH ST COLBY, KS 67701 | AFLAC | $28 | — | $28 | 0.06% |
| TOM EDWARD TURLEY3 | 4705 SPRING RIDGE RD ENID, OK 73703 | AFLAC | $28 | — | $28 | 0.06% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $27 | — | $27 | 0.05% |
| KALA E MARIS3 | PO BOX 643 ASHLAND, KS 67831 | AFLAC | $22 | — | $22 | 0.04% |
| IRA A CAPE3 | 1411 18TH ST GREAT BEND, KS 67530 | AFLAC | $18 | — | $18 | 0.04% |
| CALL INSURANCE SERV INC3 | PO BOX 1090 GREAT BEND, KS 67530 | AFLAC | $17 | — | $17 | 0.03% |
| JAMES BRIEL3 | 400 HAZEL AVE WAKEENEY, KS 67672 | AFLAC | $17 | — | $17 | 0.03% |
| JOHN A BACON3 | 1025 DURHAM GARDEN CT O FALLON, MO 63368 | AFLAC | $16 | — | $16 | 0.03% |
| TERRY S DECKER3 | RT 2 BOX 22 TURPIN, OK 73950 | AFLAC | $10 | — | $10 | 0.02% |
| SHAWN D SCHWARZ3 | 1010 DOWNING AVE STE 20 HAYS, KS 67601 | AFLAC | $9 | — | $9 | 0.02% |
| CHRISTOPHER THOMAS HIPP3 | 718 MAIN ST STE 205 HAYS, KS 67601 | AFLAC | $9 | — | $9 | 0.02% |
| LESLIE B BERGSTROM3 | 8080 E CENTRAL AVE STE 300 ATTORNEYS AT LAW WICHITA, KS 67206 | AFLAC | $8 | — | $8 | 0.02% |
| DENNIS JAMES FOSTER3 | PO BOX 1058 MEADE, KS 67864 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN MILLS3 | 1402 W LUCY WEBB RD RAYMORE, MO 64083 | AFLAC | $5 | — | $5 | 0.01% |
| FLORENCE MARIE HEFT3 | PO BOX 731 COLDWATER, KS 67029 | AFLAC | $4 | — | $4 | 0.01% |
| LEIGH ANNE SEEMAN3 | PO BOX 418 LARNED, KS 67550 | AFLAC | $3 | — | $3 | 0.01% |
| SUE C TUCKER3 | 1224 PEACOCK AVE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $2 | — | $2 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHEILD OF KANSAS EIN 48-0952857 SERVICE PROVIDER | Contract Administrator Service code 13 | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | $93K |
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 | 170 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS | 153 | $1.2M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 133 | $55K |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 170 | $14K |
| Long-term disability | AFLAC | 107 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 153 | $1.2M |
| Other | ADVANCE INSURANCE COMPANY OF KANSAS | 170 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.