| 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 | $17K | $0 | $17K | 6.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $0 | $48K | 20.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $13K | $13K | 5.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $7K | $0 | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8110 EAST 32ND STREET NUMBER SUITE 100 WICHITA, KS 72262 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$5 | $0 | -$5 | -0.01% |
| MINDY SKIDMORE LLC3 Filed as: MINDY SKIDMORE, LLC | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $2K | $5 | $2K | 3.90% |
| RYAN LAGER3 Filed as: RYAN LAGER, LLC | 9221 NE 111TH STREET KANSAS CITY, MO 64157 | AFLAC | $2K | $12 | $2K | 3.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES & AGENTS | 4622 PENNSYLVANIA AVENUE, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $1K | $10 | $1K | 2.59% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | AFLAC | $526 | $0 | $526 | 1.00% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO STREET, SUITE 412 WICHITA, KS 67202 | AFLAC | $505 | $0 | $505 | 0.96% |
| CHRISTI LANE FARNAN3 Filed as: CHRISTI FARNAN | 11193 CLUB VIEW DRIVE SAINT JOSEPH, MO 64505 | AFLAC | $383 | $0 | $383 | 0.73% |
| THE C & S GROUP INC3 Filed as: THE C&S GROUP, INC. | 2301 BURLINGTON STREET, SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $293 | — | $293 | 0.56% |
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 | 494 | 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) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 352 | $291K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 568 | $74K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 494 | $235K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 494 | $235K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 494 | $235K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 494 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.