| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 6.25% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 402 WICHITA, KS 67202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 18.05% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $603 | $42 | $645 | 0.99% |
| BRIAN E. HULTGREN3 | 8613 WEST THURMAN STREET APARTMENT 3 WICHITA, KS 67522 | AFLAC | $4K | $36 | $5K | 8.38% |
| ROBERT ROWE3 Filed as: ROBERT W. ROWE AND OTHER AGENTS | 2901 NORTH VAN BUREN STREET HUTCHINSON, KS 67502 | AFLAC | $2K | $26 | $2K | 3.08% |
| JERRY CARROLL GENTRY3 | 311 SOUTH WALL STREET BUHLER, KS 67522 | AFLAC | $1K | $6 | $1K | 2.50% |
| BRIAN M LEITZEL3 Filed as: BRIAN M. LEITZEL | 7920 WEST KELLOGG DRIVE, SUITE 102 WICHITA, KS 67209 | AFLAC | $906 | $6 | $912 | 1.69% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $676 | $0 | $676 | 1.25% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $475 | $0 | $475 | 0.88% |
| JEANNE MCMILLEN3 Filed as: JEANNE A. MCMILLEN | 2544 NORTH COOLIDGE AVENUE WICHITA, KS 67204 | AFLAC | $419 | $0 | $419 | 0.78% |
| 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 | 245 NORTH WACO STREET, SUITE 402 WICHITA, KS 67202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 3.85% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 1.75% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 124 | $121K |
| Vision | SURENCY LIFE AND HEALTH | 116 | $16K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $120K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $119K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $65K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.