| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 67277 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 7.58% |
| HARRINGTON BENEFIT SERVICES, INC.3 Filed as: HARRINGTON HEALTH SERVICE | 780 BROOKSEDGE PLAZA DRIVE WESTERVILLE, OH 43081 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.24% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 67277 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 14.98% |
| HARRINGTON BENEFIT SERVICES, INC.3 Filed as: HARRINGTON HEALTH SERVICE | 780 BROOKSEDGE PLAZA DRIVE WESTERVILLE, OH 43081 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.02% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 67277 | ALLSTATE | $10K | — | $10K | 19.38% |
| HARRINGTON BENEFIT SERVICES, INC.3 Filed as: HARRINGTON BENEFIT SVCS INC | 780 BROOKSEDGE PLAZA DR WESTERVILLE, OH 43081 | ALLSTATE | $3K | — | $3K | 5.09% |
| PAUL LIBEL3 | 12720 EDGEWOOD DR. WICHITA, KS 67206 | ALLSTATE | $778 | — | $778 | 1.57% |
| RIDGE COUNSULTING GROUP INC3 | P O BOX 9488 WICHITA, KS 67277 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.58% |
| HARRINGTON BENEFIT SERVICES, INC.3 Filed as: HARRINGTON HEALTH SERVICE | 780 BROOKSEDGE PLAZA DRIVE WESTERVILLE, OH 43081 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.42% |
| RIDGE CONSULTING GROUP INC3 | P O BOX 9488 WICHITA, KS 67277 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| RIDGE CONSULTING GROUP INC3 | PO BOX 9488 WICHITA, KS 67277 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.73% |
| HARRINGTON BENEFIT SERVICES, INC.3 Filed as: HARRINGTON HEALTH SERVICE | 780 BROOKSEDGE PLAZA DRIVE WESTERVILLE, OH 43081 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $426 | — | $426 | 4.27% |
| RIDGE CONSULTING GROUP INC3 | P O BOX 9488 WICHITA, KS 67277 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $436 | — | $436 | 18.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF KS EIN 48-0952857 TPA | Contract Administrator Service code 13 | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | $309K |
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 | 479 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 215 | $50K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $117K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $107K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 1,142 | $388K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,142 | — |
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.