| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 NORTH WACO, SUITE 300 WICHITA, KS 67202 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $29K | — | $29K | 3.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 5.23% |
| JACK M. GRAHAM3 | 245 NORTH WACO, SUITE 300 WICHITA, KS 67202 | KANSAS CITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.77% |
| GAIL A COE3 Filed as: GAIL A. COE | 4600 NORTH FARMSTEAD BEL AIRE, KS 67220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $881 | — | $881 | 6.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 NORTH WACO, SUITE 300 WICHITA, KS 67211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $539 | — | $539 | 4.12% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG, SUITE 680 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 2.12% |
| KATHY A WIEDEMANN3 Filed as: KATHY A. WIEDEMANN | 229 EAST WILLIAM, SUITE 501 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | — | $274 | 2.09% |
| ROBERT GELSZAT3 | 11251 EAST BELAIRE WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 1.78% |
| MJ INSURANCE3 Filed as: NATHAN HARRISON AND VARIOUS AGENTS | 16024 MANCHESTER ROAD, 2ND FLOOR SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6501 SOUTH FIDDLERS GREEN COURT GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 10.00% |
| BRIAN L PORTER3 Filed as: BRIAN L. PORTER | 8021 EAST DRESDEN LANE WICHITA, KS 67207 | AFLAC | $269 | — | $269 | 3.23% |
| ALAN T SCHUMACHER3 Filed as: ALAN T. SCHUMACHER | 9225 EAST WILSON ESTATES COURT WICHITA, KS 67206 | AFLAC | $170 | — | $170 | 2.04% |
| MJ INSURANCE3 Filed as: JUSTIN COLLINS AND VARIOUS AGENTS | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $107 | — | $107 | 1.28% |
| MARC LUTHER HOMAN3 | 11828 WEST CENTRAL AVENUE SUITE 100 WICHITA, KS 67212 | AFLAC | $94 | — | $94 | 1.13% |
| ROBERT GELSZAT3 | 11251 EAST BELLAIRE STREET WICHITA, KS 67207 | AFLAC | $58 | — | $58 | 0.70% |
| WILLINGHAM INC3 Filed as: WILLINGHAM, INC. | 1502 NORTH METCALF LOUISBURG, KS 66053 | AFLAC | $52 | — | $52 | 0.62% |
| GAIL A COE3 Filed as: GAIL A. COE | 4600 FARMSTEAD COURT BELAIRE, KS 67220 | AFLAC | $43 | — | $43 | 0.52% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 248 | $899K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 85 | $74K |
| Vision | SURENCY LIFE AND HEALTH | 59 | $13K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 45 | $32K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 45 | $32K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 248 | $899K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 45 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.