| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFIT PLAN | 7505 KILLARNEY CT. WICHITA, KS 67206 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 2.81% |
| R. A. K. AGENCY INC3 Filed as: R.A.K. AGENCY INC | 6N343 E RIDGEWOOD DR SAINT CHARLES, IL 60175 | ADVANCE INSURANCE COMPANY OF KANSAS | $5K | — | $5K | 7.00% |
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS, INC. | 7505 KILLARNEY CT. WICHITA, KS 67206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $344 | — | $344 | 9.99% |
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS, INC. | 7505 KILLARNEY CT. WICHITA, KS 67206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $146 | — | $146 | 9.99% |
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 | 392 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 198 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS | 198 | $1.4M |
| Life insurance(3 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 392 | $70K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 392 | $133K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 392 | $133K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 198 | $1.4M |
| Other(3 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 392 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.