| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANULAR INSURANCE COMPANY | 269 E GRAND AVE SOUTH SAN FRANCISCO, CA 94080 | GRANULAR INSURANCE COMPANY | $113K | — | $113K | 11.50% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO ST, SUITE 402 WICHITA, KS 67202 | UNUM LIFE INSURANCE CO OF AMERICA | $9K | $7K | $16K | 8.10% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO ST, SUITE 402 WICHITA, KS 67202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $17K | 19.17% |
| USI INSURANCE SERVICES LLC4 Filed as: USI MIDWEST LLC - WICHITA | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $5K | — | $5K | 10.90% |
| KANSAS HEALTH SERVICE CORP4 | 215 SE 8TH AVE TOPEKA, KS 66603 | MEDICAL AIR SERVICES ASSOCIATION, INC | $2K | — | $2K | 12.45% |
| JUSTIN C CARSON | 7701 E KELLOGG, SUITE 680 WICHITA, KS 67207 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 2.11% |
| GAIL A COE | 4600 N FARMSTEAD BEL AIRE, KS 67220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 1.49% |
| USI INSURANCE SERVICES LLC | 245 N WACO ST, SUITE 412 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 1.18% |
| KEVIN D INGWERSON | 208 S PUTTER DR ANDOVER, KS 67002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.96% |
| SCOTT D SWIMMER | 4553 W 138TH TERR LEAWOOD, KS 66224 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $28 | $28 | 0.79% |
| KENNETH D MORRIS JR | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.62% |
| CALEB GILMOUR | 515 S MAIN, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.45% |
| NATHAN L HARRISON | 16024 MANCHESTER RD, STE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.45% |
| BRIAN M LEITZEL Filed as: BRIAN M LETZEL | 7920 W KELLOGG DR, SUITE 102 WICHITA, KS 67209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.28% |
| KATHY A WIEDEMANN | 229 E WILLIAM, SUITE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.14% |
| BRANDON M UNREIN | 15275 SW INDIANOLA RD AUGUSTA, KS 67010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Insurance services; Claims processing Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $299K |
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 | 659 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4 | $4K |
| Dental | DELTA DENTAL | 459 | $32K |
| Vision | EYEMED VISION CARE | 806 | $42K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 659 | $292K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 659 | $203K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 407 | $986K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 659 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.