| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC. | PO BOX 9488 WICHITA, KS 67277 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 9488 WICHITA, KS 67277 | STANDARD INSURANCE COMPANY | $176 | $0 | $176 | 0.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 17.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.93% |
| ROBERT J. LANGHOFER3 | 3303 SOUTH MOOSE RUN GODDARD, KS 67052 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.64% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.11% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.11% |
| HARRINGTON BENEFIT SERVICES, INC.3 | 780 BROOKSEDGE PLAZA DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $704 | $0 | $704 | 2.22% |
| PAUL LIBEL3 | 12720 EDGEWOOD DRIVE WICHITA, KS 67206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | $0 | $175 | 0.55% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 216 | $147K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $159K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $122K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $122K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.