| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID-AMERICAN INSURANCE SERVICES3 Filed as: VHA MID-AMERICA INSURANCES SERVICES | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | AETNA LIFE INSURANCE CO | $44K | — | $44K | 8.28% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INC | 75 REMITTANCE DRIVE, SUITE 1855 CHICAGO, IL 60675 | VCP SERVICES, INC | $37K | — | $37K | 10.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 OVIEDO, FL 32765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39K | — | $39K | 15.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 EAST UNION DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $153 | $9K | 3.42% |
| VIZIENT INSURANCE SERVICES LLC3 | 290 E JOHN CARPENTER FWY IRVING, TX 75062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 3.36% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $866 | $661 | $2K | 0.61% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $152 | $392 | 0.16% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 855 S DILLARD ST WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $144 | $384 | 0.15% |
| PLATINUM ENROLLMENT SPECIALISTS3 | 100 CHALLENGER ROAD STE 105 RIDGEFIELD PARK, NJ 07660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| RON BOWLING3 | 8575 W 110TH ST OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE PARTNERS LLC | PO BOX 1213 SALINA, KS 67402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| BRIDGET ZUNIGA3 | 14608 W 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MAUREEN E CONRAN3 | 8575 W 110TH ST OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PAMELA SWANSON ALLEN3 | 7736 WESTGATE DRIVE LENEXA, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARILYN B BOWLING3 | 19204 W 102ND STREET LENEXA, KS 66220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| VIZIENT INSURANCE SERVICES LLC3 | 290 E JOHN CARPENTER FWY IRVING, TX 75062 | HARTFORD LIFE AND ACCIDENT | $13K | $4K | $17K | 20.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF KANSAS, INC. EIN 48-0793267 NONE | Plan Administrator Service code 14 | 1619 B WATERFRONT PARKWAY WICHITA, KS 67278 | $41K |
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 | 1,802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY, INC. | 1,226 | $743K |
| Vision | VCP SERVICES, INC | 2,578 | $367K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,802 | $610K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,802 | $610K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,802 | $610K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 480 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,578 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.