| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.40% |
| HAYS COMPANIES, INC.3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 20.08% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 20.30% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH STREET, SUITE 700 MEMPHIS, TN 55402 | TELADOC | $3K | — | $3K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | P.O. BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $200 | — | $200 | 20.00% |
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 | 1,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC | 886 | $23K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 958 | $643K |
| Vision | VISION SERVICE PLAN | 856 | $126K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,875 | $701K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,875 | $762K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,875 | $701K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,875 | $943K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,875 | — |
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.