| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $13K | — | $13K | 6.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $669 | $3K | 5.08% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $428 | — | $428 | 0.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $446 | $4K | 8.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $860 | — | $860 | 1.91% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $674 | $674 | 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 | $399 | $3K | 6.82% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $556 | $556 | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $521 | — | $521 | 1.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $391 | $3K | 10.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.93% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $514 | $514 | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | SURENCY LIFE AND HEALTH | $3K | — | $3K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $255 | $4K | 21.24% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST. 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $304 | $304 | 1.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $257 | $4K | 21.28% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $287 | $287 | 1.43% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 259 | $208K |
| Vision | SURENCY LIFE AND HEALTH | 252 | $28K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $45K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.