| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $455 | $4K | 11.06% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $201 | $0 | $201 | 0.58% |
| MATTHEW T. MELTON3 | 5251 WEST 116TH PIACE, SUITE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $2K | $591 | $3K | 10.85% |
| SEAN K MILLER3 Filed as: SEAN K. MILLER | 8621 EAST 21ST STREET NORTH SUITE 150 WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $1K | $268 | $1K | 4.91% |
| LNG ENTERPRISES, LLC3 | 5251 WEST 116TH PLACE, SUITE 300 LEAWOOD, KS 66211 | NORTHWESTERN MUTUAL | $575 | $69 | $644 | 2.38% |
| JAROD RUCKER3 | 8621 EAST 21ST STREET NORTH SUITE 150 WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $62 | $22 | $84 | 0.31% |
| BLAKE ALLEN MARTIN3 | 8621 EAST 21ST STREET NORTH SUITE 150 WICHITA, KS 67206 | NORTHWESTERN MUTUAL | $44 | $16 | $60 | 0.22% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $35K |
| Life insurance | NORTHWESTERN MUTUAL | 298 | $27K |
| Long-term disability | NORTHWESTERN MUTUAL | 298 | $27K |
| Other | NORTHWESTERN MUTUAL | 298 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.