| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $55K | $21K | $76K | 4.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS | $7K | — | $7K | 4.92% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $104 | $3K | 7.62% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $538 | $538 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $92 | $3K | 13.53% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $358 | $358 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $105 | $3K | 15.48% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $328 | $328 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $82 | $2K | 9.94% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $321 | $321 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 9.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $221 | $3K | 21.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $184 | $2K | 21.73% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 359 | $1.6M |
| Dental | DELTA DENTAL OF KANSAS | 181 | $135K |
| Vision | SURENCY LIFE AND HEALTH | 179 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $24K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.