| 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. | $8K | $0 | $8K | 5.72% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.32% |
| 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 | $9K | $2K | $10K | 18.18% |
| 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 | $5K | $1K | $6K | 18.95% |
| HKG INSURANCE SOLUTIONS LLC5 | 1228 N 164TH ST OMAHA, NE 68118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| WATKO BENEFIT GROUP3 | 7301 W. 129TH ST STE 155 OVERLAND PARK, KS 66213 | EYEMED VISION CARE | $3K | $0 | $3K | 10.10% |
| ROBERT GREG WATKINS3 | WATKO BENEFIT GROUP 7301 W 129TH ST STE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $320 | $2K | 18.36% |
| HKG INSURANCE SOLUTIONS LLC5 | 1228 N 164TH ST OMAHA, NE 68118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $286 | $286 | 3.00% |
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 | 417 | 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) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 258 | $146K |
| Vision | EYEMED VISION CARE | 418 | $28K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $75K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $57K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.