| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TRYON STREET CHARLOTTE, NC 28282 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $16K | $53K | 9.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | PO BOX 31817 CHARLOTTE, NC 28231 | EYEMED VISION CARE | $8K | — | $8K | 10.88% |
| MJ INSURANCE3 Filed as: SANDRA RICKETS AND VARIOUS AGENTS | 121 KUDZU TRAIL STOKESDALE, NC 27357 | AFLAC | $5K | $27 | $5K | 7.58% |
| MARC ALAN HOLLABAUGH3 Filed as: MARC HOLLABAUGH | 6701 WEST 64TH STREET, SUITE 312 CLEVELAND PARK, KS 66202 | AFLAC | $3K | — | $3K | 4.26% |
| MELISSA MURBACH3 | 1105 LAURLE BLUFF DRIVE KING, NC 27021 | AFLAC | $923 | — | $923 | 1.31% |
| BRIAN MILLS3 | 1402 WEST LUCY WEBB ROAD RAYMORE, MO 64083 | AFLAC | $529 | $4 | $533 | 0.75% |
| PERRY HENAULT3 | 220 SW 33RD STREET, SUITE 101 TOPEKA, KS 66611 | AFLAC | $295 | $51 | $346 | 0.49% |
| DOUGLAS R PEETE3 Filed as: DOUGLAS PEETE | 4551 WEST 107TH STREET, SUITE 220 OVERLAND PARK, KS 66207 | AFLAC | $305 | — | $305 | 0.43% |
| JCP GROUP INC3 Filed as: JCP GROUP, INC. | 4693 PEBBLE LAKE DRIVE PFAFFTOWN, NC 27040 | AFLAC | $247 | — | $247 | 0.35% |
| BARBARA ANN MEYER3 Filed as: BARBARA MEYER | 6 HICKORY LANE LEVITTOWN, NY 11756 | AFLAC | $27 | — | $27 | 9.96% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RUHLE RISK MANAGEMENT | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $5 | — | $5 | 1.85% |
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 | 1,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 906 | $444K |
| Vision | EYEMED VISION CARE | 2,759 | $75K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,576 | $539K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,576 | $539K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,576 | $539K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,576 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,759 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.