| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATKO BENEFIT GROUP | 7301 W 129TH ST SUITE 155 OVERLAND PARK, KS 66213 | DELTA DENTAL OF KANSAS | $2K | — | $2K | 3.01% |
| WATKO BENEFIT GROUP3 | 7301 WEST 129TH STREET SUITE 155 OVERLAND PARK, KS 66213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.21% |
| LELAND SCOTT BURKHART3 | 4828 MCCORMICK ST LAWRENCE, KS 66047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $52 | $1K | 3.08% |
| RYAN BOWLING3 | 8575 W 110TH ST SUITE 320 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.76% |
| RON BOWLING3 | 8575 W 110TH ST SUITE 210 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $708 | $17 | $725 | 1.84% |
| MARILYN B BOWLING3 | 19204 W 102ND ST LENEXA, KS 66220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | $125 | $671 | 1.70% |
| BRIDGET ZUNIGA3 | 14608 W 62ND ST SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $23 | $255 | 0.65% |
| JANELLE MARIE WOHLETZ3 | 389 HIGHWAY 20 W DENTON, KS 66017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.34% |
| PAMELA SWANSON ALLEN3 | 7736 WESTGATE DR LENEXA, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $1 | $73 | 0.19% |
| TAMARA ANN BUSCHER3 | 1318 S WINTERBROOK OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| WATKO BENEFIT GROUP3 | 7301 W 129TH ST SUITE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WATKO BENEFIT GROUP | 7301 W 129TH ST SUITE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WATKO BENEFIT GROUP | 7301 W 129TH STREET SUITE 155 OVERLAND PARK, KS 66213 | VCP SERVICES, INC. | $2K | — | $2K | 10.00% |
| WATKO BENEFIT GROUP | 7301 WEST 129TH STREET SUITE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| WATKO BENEFIT GROUP3 | 7301 W 129TH ST SUITE 155 OVERLAND PARK, KS 66213 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $785 | — | $785 | 10.00% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERITAIN HEALTH | 105 | $120K |
| Dental | DELTA DENTAL OF KANSAS | 97 | $76K |
| Vision | VCP SERVICES, INC. | 125 | $15K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 141 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 21 | $15K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.