| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $3K | $0 | $3K | 4.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 8.74% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 6.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 5.83% |
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC, | 3303 SOUTH MOOSE RUN GODDARD, KS 67052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 5.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 2.67% |
| JAMES C FLETCHER3 Filed as: JAMES CHRISTOPHER FLETCHER | 2828 EAST RAY AVENUE SALINA, KS 67401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.33% |
| GWEN AYLWARD3 Filed as: GWEN A. AYLWARD | 7959 EAGLE RANCH ROAD FORT COLLINS, CO 80528 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.33% |
No Schedule C service providers reported on this filing.
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 99 | $55K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $46K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $46K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $46K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.