| 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 | $16K | — | $16K | 1.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S. 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $8K | — | $8K | 0.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $41 | $10K | 8.19% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY LLC | 80 S. 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $215 | $3K | 2.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.21% |
| GAIL COE3 | 4600 N FARMSTEAD BELAIRE, KS 67220 | AFLAC | $561 | — | $561 | 4.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 6501 S FIDDLERS GREEN C #100 GREENWOOD VILLAGE, CO 80111 | AFLAC | $366 | — | $366 | 2.91% |
| ROBERT GELSZAT3 | 11251 EAST BELLAIRE SUITE 100 WICHITA, KS 67207 | AFLAC | $151 | — | $151 | 1.20% |
| KATHY A WIEDEMANN3 | 229 E WILLIAM #501 WICHITA, KS 67202 | AFLAC | $120 | — | $120 | 0.95% |
| JUSTIN C CARSON3 | 7701 E KELLOGG SUITE 680 WICHITA, KS 67207 | AFLAC | $103 | — | $103 | 0.82% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S. 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | AFLAC | $73 | — | $73 | 0.58% |
| CALEB GILMOUR3 | 515 S MAIN, SUITE 501 WICHITA, KS 67202 | AFLAC | $54 | — | $54 | 0.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | AFLAC | $42 | — | $42 | 0.33% |
| BRANDON UNREIN3 | 15275 SW INDIANOLA RD AUGUSTA, KS 67010 | AFLAC | $39 | — | $39 | 0.31% |
| NATHAN L HARRISON3 | 16024 MANCHES TER ROAD STE 111 ELLISVILLE, MO 63011 | AFLAC | $33 | — | $33 | 0.26% |
| KENNETH STARK3 Filed as: KENNETH D MORRIS | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $6 | — | $6 | 0.05% |
| JOHN A BACON3 Filed as: JOHN BACON | 11630 W 158TH TERRACE OAKLAND PARK, KS 66221 | AFLAC | $5 | — | $5 | 0.04% |
| BRAD J SCHUMACHER3 | 2804 COUNTRY LANE HAYS, KS 67601 | AFLAC | $2 | — | $2 | 0.02% |
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 | 124 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 209 | $954K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $119K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $119K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $119K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $119K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 209 | $954K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.