| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | BLUE CROSS BLUE SHIELD OF KANSAS | $80K | $0 | $80K | 3.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | UNKNOWN PITTSBURG, KS 66762 | DELTA DENTAL OF KANSAS, INC. | $14K | $0 | $14K | 8.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | ADVANCE INSURANCE COMPANY OF KANSAS | $9K | $0 | $9K | 6.85% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS. & FINANCIAL SVCS., INC. | 4221 NORTH 203RD STREET SUITE 200 ELKHORN, NE 68022 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.93% |
| OCI INSURANCE & FINANCIAL SERVICES3 Filed as: OCI INS. & FINANCIAL SVCS., INC. | 4221 NORTH 203RD STREET SUITE 200 ELKHORN, NE 68022 | VISION SERVICE PLAN | $598 | $0 | $598 | 6.21% |
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 | 429 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 545 | $2.6M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 318 | $166K |
| Vision(2 contracts) | VISION SERVICE PLAN | 258 | $38K |
| Short-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 639 | $135K |
| Long-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 639 | $135K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 545 | $2.6M |
| Other | AETNA BEHAVIORAL HEALTH, LLC | 429 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.