| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER GROUP COMPANY LLC3 Filed as: POWER GROUP COMPANY | 12721 METCALF SUITE 103 OVERLAND PARK, KS 66213 | BLUECROSS BLUESHIELD OF KANSAS CITY | $29K | $7K | $36K | 3.17% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | BLUECROSS BLUESHIELD OF KANSAS CITY | $22K | $6K | $28K | 2.52% |
| POWER GROUP COMPANY LLC3 | 4550 W 109TH ST SUITE 300 OVERLAND PARK, KS 66211 | HUMANADENTAL INSURANCE COMPANY | $2K | $2K | $4K | 9.96% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HUMANADENTAL INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.81% |
| POWER GROUP COMPANY LLC3 | 4550 W 109TH ST SUITE 300 OVERLAND PARK, KS 66211 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 4.19% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 5.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 6.85% |
| POWER GROUP COMPANY LLC3 | 4550 W 109TH STREET SUITE 300 OVERLAND PARK, KS 66211 | UNION SECURITY INSURANCE COMPANY | $819 | — | $819 | 3.81% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $136 | — | $136 | 5.99% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS CITY | 179 | $1.1M |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 112 | $68K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 53 | $2K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 112 | $21K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 193 | $31K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS CITY | 179 | $1.1M |
| Other | UNION SECURITY INSURANCE COMPANY | 112 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.