| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $3K | $43K | $46K | 4.07% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | AETNA LIFE INSURANCE COMPANY | $0 | $49 | $49 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $26K | $0 | $26K | 39.24% |
| MJ INSURANCE3 Filed as: PAULETTE SANTOS AND VARIOUS AGENTS | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $6K | $207 | $6K | 9.62% |
| BRIAN M LEITZEL3 Filed as: BRIAN LEITZEL | 7920 WEST KELLOGG DRIVE, SUITE 103 WICHITA, KS 67209 | AFLAC | $3K | $231 | $4K | 5.88% |
| JORDAN CAMERON3 | 999 NORTH SILVER SPRINGS BOULEVARD APARTMENT 2501 WICHITA, KS 67212 | AFLAC | $1K | $75 | $1K | 2.16% |
| CALEB GILMOUR3 | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $1K | $121 | $1K | 1.81% |
| DAVID NELSON3 | 33013 NE HIGHWAY 169 GREELEY, KS 66033 | AFLAC | $842 | $77 | $919 | 1.46% |
| NICOLE E ROONEY3 Filed as: NICOLE ROONEY | 227 NORTH PINE STREET GODDARD, KS 67052 | AFLAC | $798 | $42 | $840 | 1.34% |
| JUSTIN C CARSON3 Filed as: JUSTIN CARSON | 7701 EAST KELOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $778 | $0 | $778 | 1.24% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 18.02% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | SURENCY LIFE AND HEALTH | $2K | $0 | $2K | 10.00% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 167 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 130 | $129K |
| Vision | SURENCY LIFE AND HEALTH | 110 | $16K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 223 | $117K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 223 | $117K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $54K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 167 | $1.1M |
| Other(2 contracts, 2 carriers) | AFLAC | 223 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.