| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MISSOURI | $3K | $341 | $3K | 11.13% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC. | 4601 COLLEGE BOULEVARD LEAWOOD, KS 66211 | DELTA DENTAL OF MISSOURI | $63 | $0 | $63 | 0.24% |
| BUKATY COMPANIES3 Filed as: THE BUKATY AGENCY, INC. | 4601 COLLEGE BOULEVARD, SUITE 100 LEAWOOD, KS 66211 | AFLAC | $2K | $53 | $2K | 8.42% |
| ADAM J STEIN3 Filed as: ADAM J. STEIN | 12113 WESTGATE STREET OVERLAND PARK, KS 66213 | AFLAC | $396 | $141 | $537 | 2.33% |
| MATTHEW GANT3 | 2501 WEST 18TH AVENUE, SUITE A EMPORIA, KS 66801 | AFLAC | $267 | $0 | $267 | 1.16% |
| KAREN A. DICK3 | PO BOX 758 ROSSVILLE, KS 66533 | AFLAC | $184 | $0 | $184 | 0.80% |
| MELISSA DAWN HORGAN3 | 409 MAIN STREET ROSSVILLE, KS 66533 | AFLAC | $153 | $0 | $153 | 0.66% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $109 | $0 | $109 | 0.47% |
| SHANE GRAU3 | 112 SW 6TH AVENUE, SUITE 406 TOPEKA, KS 66603 | NEW YORK LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.74% |
| DISABILITY RMS5 | PO BOX 9757 PORTLAND, ME 04104 | NEW YORK LIFE INSURANCE COMPANY | $0 | $1K | $1K | 14.44% |
| BUKATY COMPANIES3 | UNKNOWN PLEASANT HOPE, MO 65725 | SURENCY LIFE AND HEALTH | $580 | $0 | $580 | 9.92% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 274 | $26K |
| Vision | SURENCY LIFE AND HEALTH | 0 | $6K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 277 | $7K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 277 | $7K |
| Other(2 contracts, 2 carriers) | AFLAC | 277 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.