| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $147K | $61K | $209K | 3.45% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS | $6K | — | $6K | 2.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3977 HARBOUR POINTE PO BOX 1400 MUKILTEO, WA 98275 | STANDARD INSURANCE COMPANY | $28K | $2K | $30K | 16.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3977 HARBOUR POINTE PO BOX 1400 MUKILTEO, WA 98275 | STANDARD INSURANCE COMPANY | $11K | $2K | $13K | 17.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3977 HARBOUR POINTE PO BOX 1400 MUKILTEO, WA 98275 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 3.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3977 HARBOUR POINTE PO BOX 1400 MUKILTEO, WA 98275 | STANDARD INSURANCE COMPANY | $4K | $251 | $4K | 16.05% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS | $5K | — | $5K | 27.13% |
| HAYS COMPANIES, INC.4 Filed as: HAYS COMPANIES | 7570 W 21ST ST N STE 1038A WICHITA, KS 67205 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 16.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3977 HARBOUR POINTE PO BOX 1400 MUKILTEO, WA 98275 | STANDARD INSURANCE COMPANY | $3K | $186 | $3K | 16.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3977 HARBOUR POINTE PO BOX 1400 MUKILTEO, WA 98275 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 910 | 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) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 840 | $6.0M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS | 244 | $252K |
| Vision | VISION SERVICE PLAN | 408 | $52K |
| Life insurance(3 contracts) | STANDARD INSURANCE COMPANY | 910 | $156K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $106K |
| Long-term disability | STANDARD INSURANCE COMPANY | 476 | $184K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 840 | $6.0M |
| Other(6 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 476 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.