| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATKO BENEFIT GROUP3 Filed as: WATKO BENEFIT GROUP LLC | 7301 W 129TH ST. STE 155 OVERLAND PARK, KS 66213 | DELTA DENTAL OF KANSAS, INC. | $7K | — | $7K | 3.60% |
| WATKO BENEFIT GROUP3 | 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 12.19% |
| HKG INSURANCE SOLUTIONS LLC5 | 1228 N 164TH ST OMAHA, NE 68118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| ROBERT GREG WATKINS3 Filed as: ROBERT GREG WATKIN | WATKO BENEFIT GROUP 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.81% |
| WATKO BENEFIT GROUP3 Filed as: WATKO BENEFIT GROUP, LLC | 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 12.41% |
| HKG INSURANCE SOLUTIONS LLC5 | 1228 N 164TH ST OMAHA, NE 68118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.59% |
| WATKO BENEFIT GROUP3 | 7301 W 129 ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 12.46% |
| HKG INSURANCE SOLUTIONS LLC5 | 1228 N 164TH ST OMAHA, NE 68118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.54% |
| WATKO BENEFIT GROUP3 | 7301 W. 129TH ST. STE 155 OVERLAND PARK, KS 66213 | EYEMED VISION CARE | $4K | — | $4K | 9.85% |
| WATKO BENEFIT GROUP3 | 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.35% |
| HKG INSURANCE SOLUTIONS LLC5 | 1228 N 164TH ST OMAHA, NE 68118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $562 | $562 | 3.00% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 7301 W 129TH ST STE 115 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $497 | — | $497 | 2.65% |
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 | 512 | 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) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 156 | $208K |
| Vision | EYEMED VISION CARE | 304 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $101K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
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.