| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 8.71% |
| RUSTY J HELIN3 Filed as: RUSTY J. HELIN | 125 WEST 6TH STREET COLBY, KS 67701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.99% |
| JORDAN J SHARP3 Filed as: JORDAN J. SHARP | 125 WEST 6TH COLBY, KS 67701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.44% |
| TRENT R. SCHNEIDER3 | PO BOX 305 WAKEENEY, KS 67672 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | $0 | $125 | 0.10% |
| LESLIE B BERGSTROM3 Filed as: LESLIE B. BERGSTROM | 407 WEST A PLAINS, KS 67869 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | $0 | $90 | 0.07% |
| NATHAN L HARRISON3 Filed as: NATHAN L. HARRISON AND OTHER AGENTS | 16024 MANCHESTER ROAD SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.03% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | 2804 COUNTRY LANE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.02% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INS SVCS LLC | 7415 WEST 130TH, SUITE 200 OVERLAND PARK, KS 66213 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.51% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INS SVCS LLC | 7415 WEST 130TH, SUITE 200 OVERLAND PARK, KS 66213 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT LLC EIN 48-1168746 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $47K |
| CWI BENEFITS, INC. EIN 57-0870204 OTHER SERVICES | Other services Service code 49 | — | $39K |
| VIZIENT, INC. EIN 38-2182248 OTHER SERVICES | Other services Service code 49 | — | $20K |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 321 | $127K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 237 | $122K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 321 | $127K |
| Stop-loss / reinsurancereinsurance | IRONSHORE | 198 | $410K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 321 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.