| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 67277 | BLUE CROSS BLUE SHIELD OF KANSAS | $20K | — | $20K | 8.08% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 67277 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.74% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 672770488 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC-MIDATLANTIC | WEST VIRGINIA OPCO PO BOX 61007 VIRGINIA BEACH, VA 234661077 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.26% |
| ROBERT J. LANGHOFER3 Filed as: ROBERT LANGHOFER | 3303 S MOOSE RUN GODDARD, KS 67052 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.50% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO STE 412 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 12.70% |
| HARRINGTON BENEFIT SERVICES, INC.3 Filed as: HARRINGTON BENEFIT SERVICES | 780 BROOKSEDGE PLAZA DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $807 | — | $807 | 3.07% |
| PAUL LIBEL3 | 12720 EDGEWOOD DR WICHITA, KS 67206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 0.67% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 672770488 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS-MIDATLANTIC | WEST VIRGINA OPCO PO BOX 61007 VIRGINIA BEACH, VA 234661007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.55% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 672770488 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC-MIDATLANTIC | WEST VIRGINIA OPCO PO BOX 61007 VIRGINIA BEACH, VA 234661007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.35% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 672770488 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $405 | — | $405 | 8.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC-MIDATLANTIC | WEST VIRGINA OPCO PO BOX 61007 VIRGINIA BEACH, VA 234661007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $300 | — | $300 | 6.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | $90K |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 98 | $26K |
| Dental | STANDARD INSURANCE COMPANY | 131 | $83K |
| Vision | STANDARD INSURANCE COMPANY | 131 | $83K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $23K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 412 | $242K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.