| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AGRI-BUSINESS BENEFIT GROUP, INC.3 | PO BOX 1747 HUTCHINSON, KS 67504 | ADVANCE INSURANCE COMPANY OF KANSAS | $51K | — | $51K | 32.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KANSAS FARMERS SERVICE ASSOCIATION EIN 48-0519519 SHAREHOLDER OF SPONSOR | Trustee (directed); Accounting (including auditing); Contract Administrator Service code 10 | 1515 EAST 30TH STREET HUTCHINSON, KS 67502 | $154K |
| TERRY BERTHOLF EIN 48-1039948 GENERAL COUNSEL | Legal Service code 29 | 1515 EAST 30TH STREET HUTCHINSON, KS 67502 | $45K |
| COMMERCE BANK, N.A. EIN 44-0206815 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 101 E. 30TH STREET HUTCHINSON, KS 67502 | $43K |
| AON HEWITT EIN 22-2232264 NONE | Actuarial Service code 11 | 8182 MARYLAND AVENUE, STE 1500 ST. LOUIS, MO 63105 | $25K |
| MAYER HOFFMAN MCCANN EIN 43-1947695 NONE | Accounting (including auditing) Service code 10 | 220 W DOUGLAS, SUITE 300 WICHITA, KS 67202 | $13K |
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 | 2,794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,836 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 2,911 | $157K |
| Other | ADVANCE INSURANCE COMPANY OF KANSAS | 2,911 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,911 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.