| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF OKLAHOMA | $20K | $0 | $20K | 6.00% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $10K | $49K | 17.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $8K | $0 | $8K | 10.84% |
| MINDY SKIDMORE LLC3 | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $2K | $12 | $2K | 3.63% |
| MJ INSURANCE3 Filed as: KARA J. ROPER AND VARIOUS AGENTS | 8020 SW 4TH STREET BLUE SPRINGS, MO 64014 | AFLAC | $2K | $12 | $2K | 3.34% |
| RYAN LAGER3 Filed as: RYAN LAGER LLC | 9221 NE 111TH STREET KANSAS CITY, MO 64157 | AFLAC | $1K | $33 | $1K | 1.84% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $727 | $0 | $727 | 1.19% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | AFLAC | $515 | $12 | $527 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4622 PENNSYLVANIA AVENUE, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $341 | $0 | $341 | 0.56% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | AFLAC | $106 | $0 | $106 | 0.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 1.78% |
| MINDY SKIDMORE LLC3 Filed as: MINDY M. SKIDMORE | 28985 OGREN TRAIL CENTER CITY, MN 55012 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.14% |
| RYAN LAGER3 Filed as: RYAN LAGER LLC | 12121 165TH AVENUE FERGUS FALLS, MN 56537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.10% |
| MINDY SKIDMORE LLC3 Filed as: MINDY M. SKIDMORE | 1008 FRONTIER DRIVE, SUITE 101 FERGUS FALLS, MN 56537 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.08% |
| CHRISTI LANE FARNAN3 | 13430 EAST LAKE MILTONA DRIVE NE MILTONA, MN 56354 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 7477 COUNTRY ROAD 21 SW ALEXANDRIA, MN 56308 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$4 | $0 | -$4 | -0.05% |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 409 | $340K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 721 | $77K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $276K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $276K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $276K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.