| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF KANSAS INC | $5K | — | $5K | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO ST STE 412 WICHITA, KS 672021117 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $41 | $2K | 7.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | $700 | $41 | $741 | 2.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $344 | $344 | 1.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $513 | $2K | 14.13% |
| GLENN E FISHER3 | 10500 E BERKELEY SQ PKWY, SUITE 240 WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $941 | $237 | $1K | 10.16% |
| JARED C PETERS3 | 10500 E BERKELEY SQ PKWY, SUITE 240 WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $940 | $237 | $1K | 10.16% |
| ALEX MALCOLM SWAINSBURY3 | 10500 E BERKELEY SQ PKWY, SUITE 240 WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $188 | $67 | $255 | 2.20% |
| RPS BENEFITS INC3 Filed as: RPS FNCL GRP INC | 5251 W 116TH PL STE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $188 | $23 | $211 | 1.82% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | DELTA DENTAL OF KANSAS INC | 185 | $155K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $28K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $15K |
| Long-term disability | NORTHWESTERN MUTUAL | 278 | $12K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.