| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, KS 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $13K | 17.87% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $715 | $51 | $766 | 1.09% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $3K | $0 | $3K | 5.38% |
| CALEB GILMOUR3 Filed as: CALEB GILMOUR AND OTHER AGENTS | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $1K | $40 | $1K | 3.63% |
| JERRY CARROLL GENTRY3 Filed as: JERRY GENTRY | 311 SOUTH WALL STREET BUHLER, KS 67522 | AFLAC | $1K | $40 | $1K | 3.60% |
| BRIAN HULTGREN3 | 8613 WEST THURMAN STREET APARTMENT 3 WICHITA, KS 67212 | AFLAC | $783 | $74 | $857 | 2.13% |
| BRIAN M LEITZEL3 Filed as: BRIAN LEITZEL | 4201 SPRING DRIVE CHENEY, KS 67025 | AFLAC | $626 | $0 | $626 | 1.55% |
| JUSTIN C CARSON3 Filed as: JUSTIN CARSON | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $421 | $0 | $421 | 1.05% |
| JEANNE MCMILLEN3 | 2544 NORTH COOLIDGE AVENUE WICHITA, KS 67204 | AFLAC | $396 | $0 | $396 | 0.98% |
| ROBERT ROWE3 | 2901 NORTH VAN BUREN STREET HUTCHINSON, KS 67502 | AFLAC | $239 | $0 | $239 | 0.59% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | SURENCY LIFE AND HEALTH | $2K | $0 | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, KS 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $378 | $25 | $403 | 27.60% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $365 | $25 | $390 | 26.71% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 115 | $100K |
| Vision | SURENCY LIFE AND HEALTH | 104 | $16K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $112K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $111K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $71K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.