| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 7570 W 21ST ST N, BLDG 1038-A WICHITA, KS 67205 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 2.09% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST ST 200 ELKHORN, NE 68022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 8.67% |
| KING BENEFIT SOLUTIONS3 | 8516 MAPLE ST OMAHA, NE 68134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $186 | $1K | 1.33% |
| CAROLYN KING3 | 19803 BELLBROOK BLVD GRETNA, NE 68028 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 38.36% |
| KING BENEFIT SOLUTIONS3 | 8516 MAPLE ST OMAHA, NE 68134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.08% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST STE 200 ELKHORN, NE 68022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 9.00% |
| OCI INSURANCE & FINANCIAL SERVICES3 | 4221 N 203RD ST ELKHORN, NE 68022 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 13.66% |
| INSGROUP INC3 Filed as: LEGACY INSURANCE GROUP - OMAHA, NE | 904 HICKORY HILL RD PAPILLION, NE 68046 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $332 | — | $332 | 1.34% |
| SARAH FRIEZE3 | 4910 RED ROCK AVE BELLEVUE, NE 68157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 27.83% |
| JUSTIN GARET BURNS3 | 4611 S 96TH ST OMAHA, NH 68127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 24.74% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: JEFFREY EUGENE HUNTING | 4608 N 164TH ST OMAHA, NE 68116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 14.88% |
| DYLAN RYAN JANZEN3 | 904 HICKORY HILL RD PAPILLION, NE 68046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $925 | $1K | $2K | 9.00% |
| THOMAS OWENS4 Filed as: THOMAS W OWENS | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $211 | — | $211 | 9.12% |
| JOLENE G. OLSON4 Filed as: JOLENE G OLSON | 3505 N CAMERON ST WICHITA, KS 67226 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | — | $31 | 1.34% |
| AD-VENTURES INC.4 Filed as: AD-VENTURES INC | 125 W 11TH ST NEWTON, KS 67114 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | — | $28 | 1.21% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 163 | $124K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 373 | $25K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $181K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 33 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $113K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.