| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | UNKNOWN WICHITA, KS 67211 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 8.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DRIVE, SUITE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $473 | $473 | 3.04% |
| GAIL A COE3 | 4600 FARMSTEAD COURT BELAIRE, KS 67220 | AFLAC | $655 | $26 | $681 | 4.97% |
| MATTHEW GANT3 Filed as: MATTHEW GANT AND OTHER AGENTS | 2501 WEST 18TH AVENUE, SUITE A EMPORIA, KS 66801 | AFLAC | $301 | $3 | $304 | 2.22% |
| JUSTIN C CARSON3 | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $111 | $0 | $111 | 0.81% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67226 | AFLAC | $99 | $0 | $99 | 0.72% |
| HOLLY A. TIMMERMEYER3 Filed as: HOLLY A TIMMERMEYER | 4327 NORTH BARTON CREEK CIRCLE WICHITA, KS 67226 | AFLAC | $96 | $0 | $96 | 0.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | AFLAC | $83 | $0 | $83 | 0.61% |
| BRANDON M UNREIN3 | 15275 SW INDIANOLA ROAD AUGUSTA, KS 67010 | AFLAC | $81 | $0 | $81 | 0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $646 | $0 | $646 | 10.06% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 86 | $45K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 139 | $6K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $16K |
| Short-term disability | AFLAC | 23 | $14K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 97 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.