| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $72K | — | $72K | 4.65% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 4.66% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.93% |
| FMLA SOURCE INC5 | 455 NORTH CITY FRONT PLAZA DRIVE, 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 7.48% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $311 | $1K | $2K | 3.71% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $609 | $609 | 1.50% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.74% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $303 | $747 | $1K | 4.35% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $362 | $362 | 1.50% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 9.99% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.30% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $901 | $901 | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $126 | $513 | $639 | 3.55% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $270 | $270 | 1.50% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 18.61% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $855 | $855 | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $237 | $370 | $607 | 3.55% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $256 | $256 | 1.50% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.47% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $814 | $814 | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $185 | $481 | $666 | 4.09% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $244 | $244 | 1.50% |
| BROWN & BROWN INSURANCE SERVICES3 | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 18.62% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS, LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $403 | $403 | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $112 | $198 | $310 | 3.84% |
| WATCHTOWER BENEFITS, LLC5 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $121 | $121 | 1.50% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 220 | $1.5M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 124 | $114K |
| Vision | SURENCY LIFE AND HEALTH | 104 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $16K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 220 | $1.5M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
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.