| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC. | 10333 E 21ST ST N, SUITE 104 WICHITA, KS 67206 | UNITED HEALTHCARE INSURANCE COMPANY | — | $179K | $179K | 4.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC. | PO BOX 95287 CHICAGO, IL 60694 | UNITED HEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4912 E. 29TH ST. N. WICHITA, KS 67220 | DELTA DENTAL OF KANSAS, INC. | $12K | — | $12K | 6.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E 21ST ST. N, SUITE 104 WICHITA, KS 67206 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 12.63% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ | 718 DUNBAR AVENUE ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $791 | — | $791 | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10333 E. 21ST ST. N, SUITE 104 WICHITA, KS 67206 | ADVANCE INSURANCE COMPANY OF KANSAS | $2K | — | $2K | 14.67% |
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 | 558 | 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) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 886 | $4.2M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 327 | $186K |
| Vision | EYEMED VISION CARE | 765 | $67K |
| Life insurance | ADVANCE INSURANCE COMPANY OF KANSAS | 558 | $17K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 886 | $4.2M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 558 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.