| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 15939 COLLECTION CENTER DR CHICAGO, IL 606930159 | VISION SERVICE PLAN | $979 | — | $979 | 5.96% |
| NICOLE M MCKINNEY3 Filed as: NICOLE MCKINNEY | 613 STADEL ROAD MANHATTAN, KS 66502 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $766 | $5 | $771 | 4.91% |
| JEREMIAH D POPELKA3 Filed as: JEREMIAH POPELKA | 2424 BUTTONWOOD DR. MANHATTAN, KS 66502 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $353 | — | $353 | 2.25% |
| GWEN AYLWARD3 | 2777 LANDMARK DR. LONGFORD, KS 67458 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $168 | — | $168 | 1.07% |
| PAMELA POLK3 | 2226 PONCA JUNCTION CITY, KS 66441 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $130 | — | $130 | 0.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR, SUITE 900 SAINT LOUIS, MO 63141 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $127 | — | $127 | 0.81% |
| ARICCA WALLACE3 | 5100 CANYON RD MANHATTAN, KS 66503 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $50 | $39 | $89 | 0.57% |
| DARLENE MCGRAW3 | 2130 MACKINTOSH CT. MANHATTAN, KS 66503 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $69 | — | $69 | 0.44% |
| WANDA SNYDER3 | 5609 POWERCAT PL MANHATTAN, KS 66503 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $24 | — | $24 | 0.15% |
| MICHAEL R LOWE3 Filed as: MICHAEL MOTHERSHED | 4967 EUREKA VALLEY ROAD MANHATTAN, KS 66503 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $23 | — | $23 | 0.15% |
| JAMES M FLETCHER3 Filed as: JAMES FLETCHER | 131 N SANTA FE AVE SALINA, KS 67401 | AMERICAN FAMILY LIFE ASSURANCE OF COLUMBUS | $13 | — | $13 | 0.08% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 227 | $1.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 227 | $1.3M |
| Vision | VISION SERVICE PLAN | 75 | $16K |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 121 | $25K |
| Short-term disability | ADVANCE INSURANCE COMPANY OF KANSAS | 121 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 22 | $0 |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 227 | $1.3M |
| Other(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 121 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.