| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 245 N WACO, STE 300 WICHITA, KS 67202 | SYMETRA | $49K | — | $49K | 13.68% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT, INC | PO BOX 1090 GREAT BEND, KS 67530 | SYMETRA | $1K | — | $1K | 0.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | PO BOX 206 WICHITA, KS 67201 | SYMETRA | $3 | — | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 26 CENTURY BLVD 2ND FL NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 245 N WACO, STE 300 WICHITA, KS 67202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $203 | — | $203 | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 26 CENTURY BLVD 2ND FL NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 245 N WACO, STE 300 WICHITA, KS 67202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | 26 CENTURY BLVD 2ND FL NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 245 N WACO, STE 300 GREAT BEND, KS 67202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $245 | — | $245 | 0.47% |
| GARY GIARRATANO3 | 8612 SHADY BEND RD LENEXA, KS 66227 | AFLAC | $77 | — | $77 | 2.10% |
| DENISE R MUSTOE3 Filed as: DENISE MUSTOE | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $57 | — | $57 | 1.55% |
| JEFFREY FREIERMUTH3 | 8900 W 126TH STREET OVERLAND PARK, KS 66213 | AFLAC | $46 | — | $46 | 1.25% |
| ROGER HARNISCH3 | 8907 W 106TH OVERLAND PARK, KS 66212 | AFLAC | $38 | — | $38 | 1.04% |
| DOUBLE EAGLE INSURANCE SERVICES INC3 Filed as: DOUBLE EAGLE INS SERVICES | 7070 W 107TH ST STE 200 OVERLAND PARK, KS 66212 | AFLAC | $33 | — | $33 | 0.90% |
| JOHN TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $23 | — | $23 | 0.63% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $15 | — | $15 | 0.41% |
| TIM OLSON INC3 | 16820 FRANCES ST, SUITE 101 OMAHA, NE 68130 | AFLAC | $12 | — | $12 | 0.33% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $11 | — | $11 | 0.30% |
| KATHY WIEDEMANN3 | 229 E WILLIAM SUITE 501 WICHITA, KS 67202 | AFLAC | $11 | — | $11 | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SAMUEL G BROWN | 4008 N BLUESTEM ST MAIZE, KS 67101 | AFLAC | $8 | — | $8 | 0.22% |
| TARA M JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 60953 | AFLAC | $8 | — | $8 | 0.22% |
| KRISTY GRAMLICH INC3 | 7509 NW TIFFANY SPRINGS PKWY, STE 1 KANSAS CITY, MO 64153 | AFLAC | $6 | — | $6 | 0.16% |
| GAIL COE3 | 4600 N FARMSTEAD CT BEL AIRE, KS 67220 | AFLAC | $5 | — | $5 | 0.14% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $4 | — | $4 | 0.11% |
| BRIAN KUYATT3 | 7760 FRANCE AVE SOUTH, SUITE 1156 MINNEAPOLIS, MN 55435 | AFLAC | $4 | — | $4 | 0.11% |
| KEVIN D INGWERSON3 Filed as: KEVIN INGWERSON | 9402 E 43RD CIR N WICHITA, KS 67226 | AFLAC | $3 | — | $3 | 0.08% |
| NATHAN HARRISON3 | 16024 MANCHESTER RD, 2ND FLOOR, STE ELLISVILLE, MO 63011 | AFLAC | $3 | — | $3 | 0.08% |
| JUSTIN C CARSON3 | 229 EAST WILLIAM SUITE 501 WICHITA, KS 67202 | AFLAC | $3 | — | $3 | 0.08% |
| BROOKE AGENCY SERVICES CO, LLC3 | PO BOX 426 PHILLIPSBURG, KS 67661 | AFLAC | $2 | — | $2 | 0.05% |
| BRIAN MILLS3 | 1116 REMINGTON PLZ STE A RAYMORE, MO 64083 | AFLAC | $2 | — | $2 | 0.05% |
| SCOTT SWIMMER3 | 4553 WEST 138TH TERRACE LEAWOOD, KS 66224 | AFLAC | $2 | — | $2 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS INC | PO BOX 206 WICHITA, KS 67201 | AFLAC | $2 | — | $2 | 0.05% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $2 | — | $2 | 0.05% |
| RODNEY G STORCK3 Filed as: RODNEY STORCK | 150 N MAIN ST STE 910 WICHITA, KS 67202 | AFLAC | $1 | — | $1 | 0.03% |
| SAMUEL A MCFALL3 Filed as: SAMUEL MCFALL | 609 N BROADWAY STE 200 WICHITA, KS 67214 | AFLAC | $1 | — | $1 | 0.03% |
| ALEX C LANKHORST3 Filed as: ALEX LANKHORST | 333 SUNSET DR SALINA, KS 67401 | AFLAC | $1 | — | $1 | 0.03% |
| BRAD SCHUMACHER3 | PO BOX 762 HAYS, KS 67601 | AFLAC | $1 | — | $1 | 0.03% |
| JODY HIPP3 | PO BOX 1587 HS, KS 67601 | AFLAC | $1 | — | $1 | 0.03% |
| LARRY SMITH3 | 18125 SW 36TH BURRTON, KS 67020 | AFLAC | $1 | — | $1 | 0.03% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD, STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.03% |
| BRANDON M. DRAEGER3 Filed as: BRANDON DRAEGER INC | 2900 S 70TH ST STE 300 LINCOLN, NE 68506 | AFLAC | $1 | — | $1 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT MANAGEMENT INC EIN 48-1168746 | Claims processing; Contract Administrator Service code 12 | 2015 - 16TH STREET GREAT BEND, KS 67530 | $75K |
| WPPA DBA PROVIDRS CARE EIN 48-1009834 | Claims processing Service code 12 | 1102 S HILLSIDE WICHITA, KS 67211 | $27K |
| ENVISION PHARMACEUTICAL EIN 05-0570786 | Claims processing Service code 12 | 2181 E AURORA RD STE 201 TWINSBURG, OH 44087 | $15K |
| MEDWATCH, LLC EIN 16-1662117 | Contract Administrator Service code 13 | PO BOX 952679 LAKE MARY, FL 32795 | $6K |
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 | 579 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA | 752 | $356K |
| Dental | DELTA DENTAL | 406 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 579 | $114K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 579 | $180K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 752 | $356K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 579 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.