| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH A PFAUTZ3 | 1208 N MADISON AVE NEWTON, KS 67114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $159 | $2K | 7.36% |
| RON BOWLING3 | 7575 W 110TH ST OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $102 | $333 | 1.02% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $78 | $249 | 0.76% |
| MARILYN B BOWLING3 | 8447 SUMMIT STREET LENEXA, KS 66220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $77 | $220 | 0.67% |
| MAUREEN E CONRAN3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.27% |
| VAN SWANSON3 Filed as: VAN SWANSON INC | 2272 FRINGE TREE TRL THE VILLAGES, FL 32162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.16% |
| LYLE H KAUFMANN3 | 838 N RIDGEWOOD DR WICHITA, KS 67208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| THOMAS A BRYON3 | P O BOX 2628 SHAWNEE MISSION, KS 66201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 7570 W 21ST BLDG 1038-A B WICHITA, KS 67205 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 297 | $117K |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 297 | $111K |
| Vision | SURENCY LIFE AND HEALTH | 180 | $13K |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 167 | $43K |
| Short-term disability(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 167 | $76K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 297 | $111K |
| Other(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 167 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.