| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 2000 WEST LOOP SOUTH SUITE 2150 HOUSTON, TX 77027 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 2.11% |
| BRITTNEY SAMMS3 | 14073 US HIGHWAY 160 WINFIELD, KS 67156 | AFLAC | $8K | $41 | $8K | 9.46% |
| JULIAN DUARTE3 | 412 N MYRTLE ST EUREKA, KS 67045 | AFLAC | $2K | $10 | $2K | 2.44% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $1K | $10 | $1K | 1.56% |
| JEREMIAH D POPELKA3 | 2424 BUTTONWOOD DR MANHATTAN, KS 66502 | AFLAC | $1K | — | $1K | 1.22% |
| GEORGIA THARP3 | 117 DD50 RD FALL RIVER, KS 67047 | AFLAC | $361 | — | $361 | 0.41% |
| CHRISTINE GRAY3 | 5629 SW HOPKINS SWITCH RD EL DORADO, KS 67042 | AFLAC | $342 | — | $342 | 0.39% |
| JOHN E WETIG3 | 103 S ROUPP ST HESSTON, KS 67062 | AFLAC | $24 | — | $24 | 0.03% |
| MICHAEL GRANT3 | 400 NOYACK ROAD SOUTH HAMPTON, NY 11968 | KANSAS CITY LIFE INSURANCE COMPANY | $9K | — | $9K | 15.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $3K | — | $3K | 10.11% |
| GRANT MICHAEL3 | 400 NOYACK ROAD SOUTH HAMPTON, NY 11968 | KC LIFE | $3K | — | $3K | 13.54% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 345 | $405K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 149 | $89K |
| Vision | VISION SERVICE PLAN | 120 | $28K |
| Life insurance | KC LIFE | 186 | $24K |
| Long-term disability | KC LIFE | 186 | $24K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 345 | $405K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 345 | $405K |
| Other(3 contracts, 3 carriers) | AFLAC | 186 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.