| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARE ADVOCATES Filed as: LT CARE SOLUTIONS INC | 150 N MCCOMAS WICHITA, KS 67203 | JOHN HANCOCK LIFE INSURANCE COMPANY | $17K | — | $17K | 11.95% |
| HARRINGTON HEALTH Filed as: HARRINGTON BENEFIT SVCS INC. | 780 BROOKSEDGE PLAZA DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $224 | — | $224 | 0.36% |
| USI INSURANCE SERVICES LLC Filed as: USI INS SERVICES LLC | 245 N WACO ST STE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 0.20% |
| PAUL LIBEL | 12720 EDGEWOOD DR WICHITA, KS 67206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.04% |
| BRIAN OBAL | 3190 FAIRVIEW PARK DRIVE STE 40 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $6 | $6 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 245 N WACO ST STE 412 WICHITA, KS 672021117 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.08% |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $38K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 761 | $459K |
| Other(3 contracts, 3 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 374 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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."
No prospect flags tripped on this filing.