| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRANULAR INSURANCE COMPANY | 269 E GRAND AVE SOUTH SAN FRANCISCO, CA 94080 | GRANULAR INSURANCE COMPANY | $90K | — | $90K | 17.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE CORP | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE CO OF AMERICA | $9K | $7K | $16K | 6.77% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICE LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $17K | 17.38% |
| USI INSURANCE SERVICES LLC4 Filed as: USI MIDWEST LLC - WICHITA | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $4K | — | $4K | 9.95% |
| USI INSURANCE SERVICES LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE CO OF AMERICA | $3K | $1K | $4K | 13.67% |
| KANSAS HEALTH SERVICE CORP4 | 215 SE 8TH AVE TOPEKA, KS 66603 | MEDICAL AIR SERVICES ASSOCIATION, INC | $1K | — | $1K | 8.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $2K | $264 | $2K | 25.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $2K | $194 | $2K | 25.96% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICE LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $1K | $149 | $1K | 25.99% |
| JUSTIN C CARSON3 | 13614 E MOUNT VERMON RD WICHITA, KS 67230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 2.18% |
| GAIL A COE3 | 4600 N FARMSTEAD BEL AIRE, KS 67220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 1.45% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PKWY W, VEVA 16 BLUE BELL, ME 04106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 1.18% |
| KEVIN D INGWERSON3 | 208 S PUTTER DR ANDOVER, KS 67002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.97% |
| SCOTT D SWIMMER3 | 4553 W 138TH TERR LEAWOOD, KS 66224 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.83% |
| MATTHEW GANT3 | 1742 BELMONT CT EMPORIA, KS 66801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.74% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.65% |
| NATHAN L HARRISON3 Filed as: NATHAN LL HARRISON | 2 CITYPLACE DR, STE 30 CREVE COEUR, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.47% |
| BRIAN M LEITZEL3 Filed as: BRIAN MATTHEW LETIZEL | PO BOX 162 CHEENEY, KS 67025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.27% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 220 SWEETGUM CT ANDOVER, KS 67002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.18% |
| KATHY A WIEDEMANN3 | 229 E WILLIAM #501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Insurance services; Claims processing Service code 12 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | $317K |
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 | 735 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 420 | $3K |
| Dental | DELTA DENTAL | 461 | $33K |
| Vision | EYEMED VISION CARE | 817 | $36K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 735 | $342K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 735 | $243K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 412 | $509K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 735 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 817 | — |
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.