| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC.-ST. LOUIS | 16091 SWINGLEY RIDGE ROAD SUITE 160 CHESTERFIELD, MO 630172056 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 1.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN MO ST LOUIS | 16091 SWINGLEY RIDGE ROAD SUITE 250 CHESTERFIELD, MO 630171788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 0.88% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC. - MN | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $8K | $2K | $10K | 9.40% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | DELTA DENTAL OF MISSOURI | $844 | — | $844 | 0.83% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $570 | — | $570 | 1.37% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 13.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $437 | — | $437 | 1.21% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 21.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - MN | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 7.69% |
| IMA, INC.3 Filed as: IMA INC | P.O. BOX 2992 WICHITA, KS 67201 | ADVANTICA INSURANCE COMPANY | — | $131 | $131 | 0.82% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $190 | — | $190 | 1.20% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MA 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $109 | — | $109 | 0.81% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS INC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MA 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $94 | — | $94 | 0.79% |
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 | 491 | 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) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $1.7M |
| Dental | DELTA DENTAL OF MISSOURI | 330 | $102K |
| Vision | ADVANTICA INSURANCE COMPANY | 280 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $78K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $16K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $1.7M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.