| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $13K | 12.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, IN 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.00% |
| MMA DISTRIBUTION3 | PO BOX 483 GOSHEN, IN 46527 | AFLAC | $9K | $0 | $9K | 13.98% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 37202 | AFLAC | $1K | $58 | $1K | 2.04% |
| TANNER R KING3 Filed as: TANNER R. KING | 14820 EAST SIEFKES COURT WICHITA, KS 67230 | AFLAC | $1K | $58 | $1K | 2.04% |
| MICHAEL D CHRISMAN3 Filed as: MICHAEL D. CHRISMAN | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $795 | $0 | $795 | 1.26% |
| MATTHEW GANT3 | 2501 WEST 18TH AVENUE, SUITE A EMPORIA, KS 66801 | AFLAC | $714 | $0 | $714 | 1.13% |
| MJ INSURANCE3 Filed as: KATHY WIEDEMANN AND VARIOUS AGENTS | 222 HIGH VIEW DRIVE BOULDER, CO 80304 | AFLAC | $569 | $0 | $569 | 0.90% |
| AUSTIN HUGHES GAST3 | 24210 WEST HEDGECREEK CIRCLE ANDALE, KS 67001 | AFLAC | $111 | $0 | $111 | 0.18% |
| MMA DISTRIBUTION3 | 1110 NORTH MAIN STREET GOSHEN, IN 46528 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.36% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $112K |
| Vision | VISION SERVICE PLAN | 185 | $40K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $175K |
| Short-term disability | AFLAC | 73 | $63K |
| Long-term disability | OHIO NATIONAL | 262 | $0 |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 615 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.