| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $24K | — | $24K | 2.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 10.11% |
| GAIL COE3 | 4600 N FARMSTEAD BELAIRE, KS 67220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $466 | — | $466 | 3.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 6501 S FIDDLERS GREEN C #100 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $345 | — | $345 | 2.89% |
| ROBERT GELSZAT3 | 11251 EAST BELLAIRE WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | — | $161 | 1.35% |
| KATHY A WIEDEMANN3 | 229 E WILLIAM #501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | — | $133 | 1.12% |
| JUSTIN C CARSON3 | 7701 E KELLOGG SUITE 680 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 1.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES AND OTHERS | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.44% |
| NATHAN L HARRISON3 | 16024 MANCHES TER ROAD STE 111 ELLSVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.30% |
| CALEB GILMOUR3 | 515 SOUTH MAIN, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.27% |
| KENNETH D MORRIS JR3 Filed as: KENNETH D. MORRIS, JR. | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| JOHN A BACON3 Filed as: JOHN A. BACON | 11630 W 158TH TERRACE OAKLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | 2804 COUNTRY LANE HAYS, KS 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| BRIAN PORTER3 | 8021 EAST DRESDEN LANE WICHITA, KS 67207 | AFLAC | $261 | — | $261 | 3.25% |
| ALAN T SCHUMACHER3 Filed as: ALAN SCHUMACHER | 9225 EAST WILSON ESTATES COURT WICHITA, KS 67206 | AFLAC | $183 | — | $183 | 2.28% |
| MARC HOMAN3 | 11828 WEST CENTRAL AVENUE SUITE 100 WICHITA, KS 67212 | AFLAC | $95 | — | $95 | 1.18% |
| ROBERT GELSZAT3 | 11251 EAST BELLAIRE STREET WICHITA, KS 67207 | AFLAC | $61 | — | $61 | 0.76% |
| WILLINGHAM INC3 Filed as: WILLINGHAM, INC. | 1502 NORTH METCALF LOUISBERG, KS 66053 | AFLAC | $56 | — | $56 | 0.70% |
| GAIL COE3 | 4600 FARMSTEAD COURT BEL AIRE, KS 67220 | AFLAC | $24 | — | $24 | 0.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES AND OTHERS | PO BOX 206 WICHITA, KS 67201 | AFLAC | $20 | — | $20 | 0.25% |
| JUSTIN C CARSON3 Filed as: JUSTIN CARSON | 7701 E KELLOGG DR STE 680 WICHITA, KS 67207 | AFLAC | $13 | — | $13 | 0.16% |
| KATHY WIEDEMANN3 Filed as: KATHY WIEDMANN | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $9 | — | $9 | 0.11% |
| NATHAN HARRISON3 | 16024 MANCHESTER RD 2ND FLORR STE 200 ELLSVILLE, MO 63011 | AFLAC | $8 | — | $8 | 0.10% |
| TERRY S DECKER3 Filed as: TERRY DECKER | RR 2 BOX 22 TURPIN, OK 73950 | AFLAC | $6 | — | $6 | 0.07% |
| BRIAN MILLS3 | 1402 W LUCY WEBB RD RAYMORE, MO 64083 | AFLAC | $6 | — | $6 | 0.07% |
| KENNETH MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $3 | — | $3 | 0.04% |
| JOHN A BACON3 Filed as: JOHN BACON | 13716 PARKHILL OVERLAND PARK, KS 66221 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN A BACON3 Filed as: JOHN BACON | 11630 W 158TH TER OVERLAND PARK, KS 66221 | AFLAC | $0 | — | $0 | 0.00% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 224 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $110K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $110K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $110K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $110K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 224 | $1.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.