| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 8110 E. 32ND ST. N. WICHITA, KS 67226 | BLUE CROSS BLUE SHIELD OF KANSAS | $48K | — | $48K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 8110 E. 32ND ST. N. WICHITA, KS 67226 | DELTA DENTAL OF KANSAS, INC. | $11K | — | $11K | 8.24% |
| LAURENCE W KEMP3 | 1018 N. BATTIN WICHITA, KS 67208 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $852 | $5K | 8.64% |
| LAURENCE W KEMP3 | 1018 N. BATTIN WICHITA, KS 67208 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $588 | $6K | 11.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 8110 E. 32ND STREET N, STE100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $353 | $4K | 16.66% |
| LAURENCE W KEMP3 | 1018 N BATTIN WICHITA, KS 67208 | AMERICAN HERITAGE LIFE | $887 | — | $887 | 5.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BLVD, STE 400 KANSAS CITY, MO 64108 | AMERICAN HERITAGE LIFE | $690 | — | $690 | 4.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2345 GRAND BLVD, STE 400 KANSAS CITY, MO 64108 | AMERICAN HERITAGE LIFE | $218 | — | $218 | 1.31% |
| JOSEPH P CALARCO3 Filed as: JOSEPH F. PALMER JR. | 13700 CALABRIA TRAIL OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE | $149 | — | $149 | 0.90% |
| DENNIS M PETERSON3 Filed as: DENNIS M. PETERSON | PO BOX 1703 BOERNE, TX 78006 | AMERICAN HERITAGE LIFE | $12 | — | $12 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8110 E. 32ND STREET N., STE 100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $95 | $1K | 21.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 8110 E. 32ND STREET N, STE 100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $94 | $1K | 21.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 8110 E 32ND STREET N., STE 100 WICHITA, KS 67226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $539 | $66 | $605 | 11.22% |
| LAURENCE W KEMP3 | 1018 N. BATTIN WICHITA, KS 67208 | AMERICAN HERITAGE LIFE | $7 | — | $7 | 8.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2345 GRAND BLVD, STE 400 KANSAS CITY, MO 64108 | AMERICAN HERITAGE LIFE | $4 | — | $4 | 5.06% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 407 | $1.6M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 189 | $134K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 227 | $50K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 40 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 226 | $55K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 407 | $1.6M |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE | 226 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.