| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC | PO BOX 9488 WICHITA, KS 67277 | DELTA DENTAL OF KANSAS INC | $2K | — | $2K | 2.39% |
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC | PO BOX 9488 WICHITA, KS 67277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.20% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO SUITE 412 WICHITA, KS 67202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.95% |
| USI INSURANCE SERVICES LLC Filed as: USI INSRUANCE SERVICES LLC | 245 N WACO SUITE 412 WICHITA, KS 67202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $815 | — | $815 | 9.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | $491K |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS INC | 126 | $67K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $11K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $35K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 793 | $624K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.