| 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 | $0 | $42K | $42K | 4.53% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 402 WICHITA, KS 67202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $447 | $9K | 13.53% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $237 | $0 | $237 | 0.36% |
| ROBERT ROWE3 Filed as: ROBERT W. ROWE | 2901 NORTH VAN BUREN STREET HUTCHINSON, KS 67502 | AFLAC | $6K | $195 | $6K | 10.10% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR AND OTHER AGENTS | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $2K | $0 | $2K | 3.12% |
| BRIAN M LEITZEL3 Filed as: BRIAN M. LEITZEL | 7920 WEST KELLOGG DRIVE, SUITE 102 WICHITA, KS 67209 | AFLAC | $2K | $50 | $2K | 3.06% |
| JERRY CARROLL GENTRY3 | 311 SOUTH WALL STREET BUHLER, KS 67522 | AFLAC | $1K | $102 | $1K | 1.84% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $643 | $0 | $643 | 1.02% |
| JOHN E WETIG3 Filed as: JOHN E. WETIG | 103 SOUTH ROUPP STREET HESSTON, KS 67062 | AFLAC | $435 | $77 | $512 | 0.81% |
| JEANINE A. MCMILLEN3 | 2544 NORTH COOLIDGE AVENUE WICHITA, KS 67204 | AFLAC | $450 | $0 | $450 | 0.72% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 402 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 6.75% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 402 WICHITA, KS 67202 | SURENCY LIFE AND HEALTH | $1K | $0 | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 402 WICHITA, KS 67202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 3.54% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 1.52% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 119 | $928K |
| Dental(2 contracts, 2 carriers) | AFLAC | 114 | $119K |
| Vision | SURENCY LIFE AND HEALTH | 101 | $15K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $131K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $129K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $66K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 119 | $928K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.