| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WISE & ASSOCIATES, INC.3 Filed as: WISE AND ASSOCIATES | 155 NORTH MARKET SUITE 420 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $576 | — | $576 | 0.60% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.62% |
| WISE & ASSOCIATES, INC.3 | P.O. BOX 12169 WICHITA, KS 67277 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.12% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES OF KANSAS CITY | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | VCP SERVICES, INC., DBA VISION CARE DIRECT | $1K | — | $1K | 7.84% |
| WISE & ASSOCIATES, INC.3 Filed as: WISE & ASSOCIATES | P.O. BOX 12169 WICHITA, KS 67277 | VCP SERVICES, INC., DBA VISION CARE DIRECT | $360 | — | $360 | 2.16% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 295 | $96K |
| Vision | VCP SERVICES, INC., DBA VISION CARE DIRECT | 130 | $17K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $55K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $55K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.