| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2000 INTERNATIONAL PARK DR, STE 600 BIRMINGHAM, AL 35243 | UNITED HEALTHCARE INSURANCE COMPANY | — | $116K | $116K | 2.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10333 E 21ST ST. N. WICHITA, KS 67206 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.16% |
| MGGRIFF INSURANCE SERVICES3 | 2000 INTERNATIONAL PARK DR, STE 600 BIRMINGHAM, AL 35243 | DELTA DENTAL OF KANSAS, INC. | $29K | — | $29K | 7.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST ST. N, SUITE 104 WICHITA, KS 67206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $523 | $5K | 7.46% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ | 718 DUNBAR AVENUE ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $742 | — | $742 | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E. 21ST ST. N, SUITE 104 WICHITA, KS 67206 | ADVANCE INSURANCE COMPANY OF KANSAS | $1K | — | $1K | 10.08% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: THE EMPLOYEE BENEFIT COMPANY | 1330 N SAINT ANDREWS DR WICHITA, KS 67230 | ADVANCE INSURANCE COMPANY OF KANSAS | $722 | — | $722 | 4.97% |
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 | 532 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 640 | $4.9M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 668 | $364K |
| Vision | EYEMED VISION CARE | 818 | $70K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 532 | $75K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 176 | $61K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 532 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.