| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2345 GRAND BLVD, SUITE 400 KANSAS CITY, MO 64108 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $30K | — | $30K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10333 E 21ST ST N, SUITE 104 WICHITA, KS 67206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $683 | $683 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS - WICHITA | 8110 E. 32ND STREET N., SUITE 100 WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST ST N, SUITE 104 WICHITA, KS 67206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $257 | $257 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST ST N, SUITE 104 WICHITA, KS 67206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $130 | $130 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS - WICHITA | 8110 E. 32ND STREET N., SUITE 100 WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $915 | — | $915 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10333 E 21ST ST N, SUITE 104 WICHITA, KS 67206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS - WICHITA | 8110 E. 32ND STREET N., SUITE 100 WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $412 | — | $412 | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS - WICHITA | 8110 E. 32ND STREET N., SUITE 100 WICHITA, KS 67226 | SURENCY LIFE AND HEALTH | $207 | — | $207 | 10.00% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 155 | $757K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 96 | $36K |
| Vision(2 contracts) | SURENCY LIFE AND HEALTH | 74 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $55K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.