| 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 | $12K | $0 | $12K | 8.77% |
| RUSTY J HELIN3 Filed as: RUSTY J. HELIN | 515 SOUTH MAIN STREET WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.91% |
| JORDAN J SHARP3 Filed as: JORDAN J. SHARP | 125 WEST 6TH AVENUE COLBY, KS 67701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.46% |
| TRENT R. SCHNEIDER3 | PO BOX 305 WAKEENEY, KS 67672 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.02% |
| DENNIS JAMES FOSTER3 Filed as: DENNIS J. FOSTER II | 20069 16 ROAD MEADE, KS 67864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| KENNETH D MORRIS JR3 Filed as: KENNETH D. MORRIS JR. | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | 2804 COUNTRY LANE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | 7415 WEST 130TH, SUITE 200 OVERLAND PARK, KS 62213 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 10.00% |
| VIZIENT INSURANCE SERVICES LLC3 | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 3.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT LLC EIN 48-1168746 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $53K |
| CWI BENEFITS, INC. EIN 57-0870204 OTHER SERVICES | Other services Service code 49 | — | $42K |
| VIZIENT, INC. EIN 38-2182248 OTHER SERVICES | Other services Service code 49 | — | $25K |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 72 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 309 | $129K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 261 | $133K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 309 | $129K |
| Stop-loss / reinsurancereinsurance | IRONSHORE | 187 | $490K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 309 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.