| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF OKLAHOMA | $14K | $0 | $14K | 6.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $3K | $26K | 19.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 9.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BEN. SVCS., INC. & AGENTS | 4622 PENNSYLVANIA AVENUE, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $1K | $13 | $1K | 3.03% |
| MINDY SKIDMORE LLC3 Filed as: MINDY SKIDMORE, LLC | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $1K | $6 | $1K | 2.52% |
| RYAN LAGER3 Filed as: RYAN LAGER, LLC | 9221 NE 111TH STREET KANSAS CITY, MO 64157 | AFLAC | $809 | $16 | $825 | 1.90% |
| MINDY SKIDMORE LLC3 Filed as: MINDY M. SKIDMORE | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $543 | $16 | $559 | 1.29% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $452 | $0 | $452 | 1.04% |
| RYAN LAGER3 | 9221 NE 111TH STREET KANSAS CITY, MO 64157 | AFLAC | $261 | $84 | $345 | 0.80% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | AFLAC | $328 | $0 | $328 | 0.76% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 263 | $232K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 409 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $138K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $138K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $138K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 311 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.