| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $12K | $256 | $13K | 5.44% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | DELTA DENTAL OF MISSOURI | — | $364 | $364 | 0.16% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 10.68% |
| TAMARA ANN BUSCHER3 | 1318 SOUTH WINTERBROOK OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $434 | $7K | 6.84% |
| LAURA MCCLUNG PLYLER3 Filed as: LAURA E. BOWLING | 8575 W. 110TH STREET SUITE 320 OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 5.22% |
| RON BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 3.62% |
| MARILYN B BOWLING3 Filed as: MARILYN B. BOWLING | 19204 W. 102ND STREET LENEXA, KS 66220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $898 | $3K | 3.23% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 1.17% |
| DALE T BUTLER3 Filed as: DALE T. BUTLER | 15234 REEDS STREET OVERLAND PARK, KS 66223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $820 | $39 | $859 | 0.87% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | — | $282 | 0.29% |
| MAUREEN E CONRAN3 Filed as: MAUREEN E. CONRAN | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 0.25% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $1 | $167 | 0.17% |
| DANNIE D SUTTER3 | 4224 INDEPENDENCE BLVD KANSAS CITY, KS 66109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $2 | $106 | 0.11% |
| CASSANDRA KRAMER3 | 640 E PIONEER LOOP LA CENTER, WA 98629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $3 | $104 | 0.11% |
| JANELLE MARIE WOHLETZ3 | 389 HWY 20 WEST DENTON, KS 66017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $2 | $98 | 0.10% |
| SARAH WEYMOUTH3 Filed as: SARAH E PERCHESKI | 2 GEORGETOWN ROAD CARNEYS POINT, NJ 08069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $12 | $91 | 0.09% |
| ELIZABETH LOUISE FENDER3 | 335 S EMERSON AVE INDIANAPOLIS, IN 46219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $3 | $78 | 0.08% |
| BRIDGET ZUNIGA3 | 14608 WEST 62ND STREET SHAWNEE, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.08% |
| PREMIER WORKSITE SOLUTIONS INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $15 | $30 | 0.03% |
| LONNIE SCHULTZ3 | MNU BOX 9294 OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| JOE GORDON3 | 5417 WINTHROP AVE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $8 | $23 | 0.02% |
| TERRY ALLEN SMITH3 | 14070 SOUTH DARNELL COURT OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $9 | $18 | 0.02% |
| JEFFREY D BRINDLE3 Filed as: JEFFREY BRINDLE | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| PAMELA SWANSON ALLEN3 | 7736 WESTGATE DRIVE LENEXA, KS 66216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 22.40% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 3.12% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $465 | $3K | 10.90% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | FIRST UNUM LIFE INSURANCE COMPANY | — | $11 | $11 | 0.68% |
| ROBERT E. MILLER INSURANCE AGENCY3 | 6363 COLLEGE BOULEVARD, SUITE 400 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | — | $6 | $6 | 0.37% |
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 | 501 | 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) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 838 | $233K |
| Vision | VISION SERVICE PLAN | 416 | $57K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 574 | $23K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 159 | $98K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 574 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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."
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.