| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - KANSAS CITY | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 2.94% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 1.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - MN | 80 SOUTH 8TH ST #700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $8K | — | $8K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 8.10% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.57% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $716 | $716 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $904 | $3K | 8.13% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $504 | $504 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $554 | $2K | 8.14% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $936 | — | $936 | 4.56% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $308 | $308 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 9.93% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $931 | — | $931 | 5.13% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $860 | $503 | $1K | 8.79% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $692 | — | $692 | 4.46% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $233 | $233 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $726 | $292 | $1K | 7.51% |
| HAYS COMPANIES, INC.5 Filed as: HAYS COMPANIES INSURANCE AGENCY | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $677 | $677 | 5.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $629 | — | $629 | 4.64% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $203 | $203 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $491 | $277 | $768 | 8.88% |
| HAYS COMPANIES, INC.5 Filed as: HAYS COMPANIES INC | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $432 | $432 | 5.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $373 | — | $373 | 4.31% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $130 | $130 | 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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.3M |
| Dental | DELTA DENTAL OF MISSOURI | 225 | $75K |
| Vision | VISION SERVICE PLAN | 97 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $49K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $21K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.