| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $13K | 18.90% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $375 | $375 | 0.53% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58 | $4 | $62 | 0.09% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 6.19% |
| MATTHEW GANT3 Filed as: MATTHEW GANT AND OTHER AGENTS | 2501 WEST 18TH AVENUE, SUITE A EMPORIA, KS 66801 | AFLAC | $1K | $0 | $1K | 3.33% |
| BRIAN M LEITZEL3 Filed as: BRIAN M. LEITZEL | 4201 SPRING DRIVE CHENEY, KS 67025 | AFLAC | $584 | $0 | $584 | 1.82% |
| JERRY CARROLL GENTRY3 | 311 SOUTH WALL STREET BUHLER, KS 67522 | AFLAC | $467 | $0 | $467 | 1.46% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $369 | $0 | $369 | 1.15% |
| JEANNE A. MCMILLEN3 | 2544 NORTH COOLIDGE AVENUE WICHITA, KS 67204 | AFLAC | $259 | $0 | $259 | 0.81% |
| ROBERT ROWE3 Filed as: ROBERT W. ROWE | 2901 NORTH VAN BUREN STREET HUTCHINSON, KS 67502 | AFLAC | $227 | $0 | $227 | 0.71% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $141 | $0 | $141 | 0.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $548 | $2K | 15.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $1 | $42 | 5.22% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1 | $1 | 0.12% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 121 | $100K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 113 | $12K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $104K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $103K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $71K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.