| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.16% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $3K | $0 | $3K | 4.95% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST, VEVA 16 BLUE BELL, ME 04106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.97% |
| JAMES C FLETCHER3 Filed as: JAMES C. FLETCHER | 2828 EAST RAY AVENUE SALINA, KS 67401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 8.86% |
| NICOLE M MCKINNEY3 Filed as: NICOLE M. MCKINNEY | 7160 FLUSH ROAD SAINT GEORGE, KS 66535 | CONTINENTAL AMERICAN INSURANCE COMPANY | $468 | $0 | $468 | 1.09% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 NORTH CENTRAL EXPRESSWAY SUITE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | $0 | $241 | 0.56% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY M. SATTERLEE | 4351 JAGER DRIVE NE, SUITE B RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235 | $0 | $235 | 0.55% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 119 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $70K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.