| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SPECIALISTS INC3 | 7331 W 33RD ST N STE 100 WICHITA, KS 67205 | AMERICAN UNITED LIFE INSURANCE COMPANY | $22K | $3K | $25K | 14.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 7331 W 33RD ST N STE 100 WICHITA, KS 67205 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7331 W 33RD ST N STE 100 WICHITA, KS 67205 | AFLAC | $8K | $256 | $9K | 11.90% |
| ALL OTHERS | 3219 W MAY WICHITA, KS 67219 | AFLAC | $2K | $0 | $2K | 2.82% |
| KATHY WIEDEMANN3 | 7802 E OAKMOUNT ST WICHITA, KS 67226 | AFLAC | $1K | $51 | $1K | 1.51% |
| GROUP BENEFIT SPECIALISTS INC3 | 7331 W 33RD ST N SUITE 100 WICHITA, KS 67205 | AFLAC | $805 | $0 | $805 | 1.12% |
| SAMUEL A MCFALL3 | 609 N BROADWAY ST STE 200 WICHITA, KS 67214 | AFLAC | $574 | $0 | $574 | 0.80% |
| MICHAEL D CHRISMAN3 | 229 E WILLIAM ST STE 501 WICHITA, KS 67202 | AFLAC | $489 | $0 | $489 | 0.68% |
| JAMES HOMER COOK3 | 1050 N GRETCHEN LN WICHITA, KS 67206 | AFLAC | $361 | $0 | $361 | 0.50% |
| WILLIAM K TEICHGRAEBER3 | 931 167TH ST WICHITA, KS 67045 | AFLAC | $305 | $0 | $305 | 0.42% |
| BRAD SCHUMACHER3 | 718 MAIN ST STE 205 HAYS, KS 67601 | AFLAC | $232 | $51 | $283 | 0.39% |
| GROUP BENEFIT SPECIALISTS INC3 Filed as: GROUP BENEFIT SPECIALISTS | 7331 W 33RD ST N STE 100 WICHITA, KS 672057356 | VISION SERVICE PLAN | $6K | — | $6K | 10.00% |
| GROUP BENEFIT SPECIALISTS INC3 | 7331 W 33RD STREET NORTH STE 100 WICHITA, KS 67205 | RELIANCE STANDAR LIFE INSURANCE COMPANY | $5K | $2K | $7K | 25.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: GBS A DIVISION OF HUB INTERNATIONAL | P.O. BOX 844501 DALLAS, TX 752844501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $66 | $2K | 15.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: GBS A DIVISION OF HUB INTERNATIONAL | P.O. BOX 844501 DALLAS, TX 752844501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $36 | $1K | 15.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 | Insurance agents and brokers Service code 22 | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | $152K |
| GROUP BENEFIT SPECIALISTS EIN 20-0410679 | Insurance agents and brokers Service code 22 | 7331 W 33RD N SUITE 100 WICHITA, KS 67205 | $55K |
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 | 605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC | 424 | $0 |
| Vision | VISION SERVICE PLAN | 368 | $55K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 468 | $171K |
| Short-term disability | AFLAC | 128 | $72K |
| Long-term disability | RELIANCE STANDAR LIFE INSURANCE COMPANY | 323 | $27K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF KANSAS | 956 | $367K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 956 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.