| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL INSURANCE CONSULTANTS3 | P.O. BOX 1717 DODGE CITY, KS 67801 | DELTA DENTAL OF KANSAS | $62K | — | $62K | 5.36% |
| PROFESSIONAL INSURANCE CONSULTANTS3 | P.O. BOX 1717 DODGE CITY, KS 67801 | BERKLEY LIFE | $81K | $42K | $123K | 16.00% |
| BENEFIT MANAGEMENT, INC.5 Filed as: BENEFIT MANAGEMENT INC | — | BERKLEY LIFE | $29K | — | $29K | 3.72% |
| PROFESSIONAL INSURANCE CONSULTANTS3 | P.O. BOX 1717 DODGE CITY, KS 67801 | UNION SECURITY INSURANCE COMPANY | $24K | — | $24K | 7.54% |
| PROFESSIONAL INSURANCE CONSULTANTS3 | P.O. BOX 1717 DODGE CITY, KS 67801 | UNION SECURITY INSURANCE COMPANY | $54K | — | $54K | 19.83% |
| PROFESSIONAL INSURANCE CONSULTANTS3 | P.O. BOX 1717 DODGE CITY, KS 67801 | FIDELITY SECURITY LIFE INSURANCE COMPANY/EYEMED VISION CARE | $12K | — | $12K | 11.09% |
| PROFESSIONAL INSURANCE CONSULTANTS3 | P.O. BOX 1717 DODGE CITY, KS 67801 | UNION SECURITY INSURANCE COMPANY | $19K | — | $19K | 30.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BMI EIN 48-1168746 NONE | Other fees Service code 99 | — | $404K |
| CWI BENEFITS, INC (CIGNA) EIN 57-0870204 NONE | Other fees Service code 99 | — | $265K |
| WPPA DBA PROVIDERS CARE EIN 48-1009834 NONE | Other fees Service code 99 | — | $42K |
| MEDWATCH EIN 16-1662117 NONE | Other fees Service code 99 | — | $9K |
| MEDTRAK EIN 36-4221427 NONE | Claims processing Service code 12 | — | $8K |
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 | 2,385 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE | 1,884 | $771K |
| Dental | DELTA DENTAL OF KANSAS | 1,883 | $1.1M |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 2,385 | $599K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 700 | $338K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 2,385 | $325K |
| Prescription drug | BERKLEY LIFE | 1,884 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,543 | — |
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.