| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 245 N WACO, SUITE 412 WICHITA, KS 67202 | UNUM LIFE INSURANCE CO OF AMERICA | $13K | $2K | $15K | 6.72% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO, SUITE 412 WICHITA, KS 67202 | UNUM LIFE INSURANCE CO OF AMERICA | $14K | $695 | $15K | 17.12% |
| GAIL A COE3 | 4600 N FARMSTEAD BEL AIRE, KS 67220 | CONTINENTAL AMERICAN INS CO | $7K | — | $7K | 11.89% |
| CALEB GILMOUR3 | 515 S MAIN, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INS CO | $835 | — | $835 | 1.41% |
| JUSTIN C CARSON3 | 7701 E KELLOGG, STE 680 WICHITA, KS 67207 | CONTINENTAL AMERICAN INS CO | $806 | — | $806 | 1.36% |
| BRANDON M UNREIN3 | 15275 SW INDIANOLA RD AUGUSTA, KS 67010 | CONTINENTAL AMERICAN INS CO | $493 | — | $493 | 0.83% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO, SUITE 412 WICHITA, KS 67202 | CONTINENTAL AMERICAN INS CO | $444 | — | $444 | 0.75% |
| KATHY A WIEDEMANN3 | 229 E WILLIAM ST, STE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INS CO | $274 | — | $274 | 0.46% |
| KEVIN D INGWERSON3 | 208 S PUTTER DR ANDOVER, KS 67002 | CONTINENTAL AMERICAN INS CO | $214 | — | $214 | 0.36% |
| JACQUELINE L KENNEDY4 | 151 S WESTFIELD WICHITA, KS 67209 | CONTINENTAL AMERICAN INS CO | $212 | — | $212 | 0.36% |
| SCOTT D SWIMMER3 | 4553 WEST 138TH TERRACE LEAWOOD, KS 66224 | CONTINENTAL AMERICAN INS CO | $122 | — | $122 | 0.21% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INS CO | $103 | — | $103 | 0.17% |
| NATHAN L HARRISON3 | 16024 MANCHESTER RD, STE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INS CO | $80 | — | $80 | 0.13% |
| HOLLY A. TIMMERMEYER3 Filed as: HOLLY A COE | 4600 N FARMSTEAD BEL AIRE, KS 67220 | CONTINENTAL AMERICAN INS CO | $36 | — | $36 | 0.06% |
| MICHAEL PLETT3 | 1616 AVENUE H ELLSWORTH, KS 67439 | CONTINENTAL AMERICAN INS CO | $15 | — | $15 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SAMUEL G BROWN | 4008 N BLUESTEM ST MAIZE, KS 67101 | CONTINENTAL AMERICAN INS CO | $14 | — | $14 | 0.02% |
| BRAD J SCHUMACHER3 | PO BOX 762 HAYS, KS 67601 | CONTINENTAL AMERICAN INS CO | $14 | — | $14 | 0.02% |
| BRIAN M LEITZEL3 | 7920 W KELLOGG DR, SUITE 103 WICHITA, KS 67209 | CONTINENTAL AMERICAN INS CO | $11 | — | $11 | 0.02% |
| CHRISTOPHER THOMAS HIPP3 Filed as: CHRISTOPHER T HIPP | 718 MAIN, SUITE 205 HAYS, KS 67601 | CONTINENTAL AMERICAN INS CO | $11 | — | $11 | 0.02% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DR DARDENNE PRAIRIE, MO 63368 | CONTINENTAL AMERICAN INS CO | $11 | — | $11 | 0.02% |
| USI INSURANCE SERVICES LLC4 Filed as: USI MIDWEST LLC - WICHITA | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $4K | — | $4K | 9.97% |
| KEVIN D INGWERSON4 | 208 S PUTTER DR ANDOVER, KS 67002 | PRE-PAID LEGAL SERVICES, INC | $219 | — | $219 | 6.84% |
| GAIL A COE4 | 4600 N FARMSTEAD BEL AIRE, KS 67220 | PRE-PAID LEGAL SERVICES, INC | $91 | — | $91 | 2.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Claims processing; Insurance services Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $276K |
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 | 672 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 481 | $31K |
| Vision | EYEMED VISION CARE | 866 | $45K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 672 | $308K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 672 | $223K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 672 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 866 | — |
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.