| 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 | 8.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, CA 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 7.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $227 | $227 | 1.52% |
| GAIL A COE3 Filed as: GAIL A. COE | 4600 FARMSTEAD COURT BEL AIRE, KS 67220 | AFLAC | $1K | $0 | $1K | 8.25% |
| MJ INSURANCE3 Filed as: JULIAN DUARTE AND VARIOUS AGENTS | 412 NORTH MYRTLE STREET EUREKA, KS 67045 | AFLAC | $250 | $0 | $250 | 1.74% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $168 | $0 | $168 | 1.17% |
| HOLLY A. TIMMERMEYER3 | 4164 DANBURY STREET BEL AIRE, KS 67220 | AFLAC | $111 | $0 | $111 | 0.77% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET WICHITA, KS 67202 | AFLAC | $108 | $0 | $108 | 0.75% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $102 | $0 | $102 | 0.71% |
| BRANDON M UNREIN3 Filed as: BRANDON M. UNREIN | 15275 SOUTHWEST INDIANOLA ROAD AUGUSTA, KS 67010 | AFLAC | $81 | $0 | $81 | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $846 | $0 | $846 | 11.80% |
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 | 116 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 87 | $42K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 157 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $15K |
| Short-term disability | AFLAC | 25 | $14K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 116 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.