| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | DELTA DENTAL OF KANSAS, INC. | $3K | $0 | $3K | 8.30% |
| GAIL A COE3 Filed as: GAIL A. COE | 4600 FARMSTEAD COURT BELAIRE, KS 67220 | AFLAC | $928 | $72 | $1K | 6.16% |
| MJ INSURANCE3 Filed as: SAMUEL A. MCFALL AND VARIOUS AGENTS | 609 NORTH BROADWAY AVENUE SUITE 200 WICHITA, KS 67214 | AFLAC | $268 | $0 | $268 | 1.65% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WITCHITA, KS 67202 | AFLAC | $138 | $14 | $152 | 0.94% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WITCHIA, KS 67202 | AFLAC | $130 | $0 | $130 | 0.80% |
| HOLLY A. TIMMERMEYER3 | 4164 DANBURY STREET BELAIRE, KS 67220 | AFLAC | $128 | $0 | $128 | 0.79% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG DRIVE, SUITE 680 WITCHIA, KS 67207 | AFLAC | $125 | $0 | $125 | 0.77% |
| BRANDON M UNREIN3 Filed as: BRANDON M. UNREIN | 15275 SOUTHWEST INDIANOLA ROAD AUGUSTA, KS 67010 | AFLAC | $108 | $14 | $122 | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $179 | $1K | 12.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $910 | $0 | $910 | 12.24% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4551 WEST 107TH STREET, SUITE 300 OVERLAND PARK, KS 66207 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $325 | $0 | $325 | 4.37% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 82 | $41K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 164 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $11K |
| Short-term disability | AFLAC | 22 | $16K |
| Other(2 contracts, 2 carriers) | AFLAC | 112 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.