| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 3.77% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 1116 HAMMONTON, NJ 08037 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 8.63% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN RD SUITE 357 GLENVIEW, IL 60025 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 8.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2 PARK PLAZA SUITE 440 IRVINE, CA 92614 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 3.89% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $853 | $853 | 0.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MA 63195 | HARTFORD LIFE AND ACCIDENT | — | $116 | $116 | 0.08% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 3.91% |
| AON CONSULTING INC3 | 29840 CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 3.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $664 | $664 | 4.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $500 | $500 | 3.87% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 807 | 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) | 807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 310 | $1.6M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,354 | $57K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 807 | $204K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 807 | $98K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 240 | $139K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 310 | $1.6M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 807 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,354 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.