| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 8.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $220 | $220 | 0.26% |
| MARC ALAN HOLLABAUGH3 | 836 WEST 62ND STREET KANSAS CITY, MO 64113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.01% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $6K | $728 | $7K | 8.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DELTA DENTAL OF MISSOURI | $678 | $0 | $678 | 0.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 16091 SWINGLEY RIDGE ROAD SUITE 160 CHESTERFIELD, MO 63017 | VISION BENEFITS OF AMERICA | $740 | $0 | $740 | 5.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $387 | $6 | $393 | 3.71% |
| MARC ALAN HOLLABAUGH3 | 836 WEST 62ND STREET KANSAS CITY, MO 64113 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $198 | $0 | $198 | 1.87% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | STARR INDEMNITY AND LIABILITY COMPANY | $126 | $0 | $126 | 15.04% |
| HAYS COMPANIES, INC.3 | 16091 SWINGLEY RIDGE ROAD SUITE 160 CHESTERFIELD, MO 63107 | STARR INDEMNITY AND LIABILITY COMPANY | $126 | $0 | $126 | 15.04% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STARR INDEMNITY AND LIABILITY COMPANY | 233 | $838 |
| Dental | DELTA DENTAL OF MISSOURI | 337 | $84K |
| Vision | VISION BENEFITS OF AMERICA | 200 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $86K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $86K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.