| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 3.58% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $472 | $4K | 13.95% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $802 | — | $802 | 2.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $319 | $3K | 13.97% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $534 | — | $534 | 2.55% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $231 | $2K | 13.96% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $391 | — | $391 | 2.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $207 | $2K | 13.56% |
| LOCKTON COMPANIES, LLC3 | 111 E KILBOURN AVENUE, SUITE 825 MILWAUKEE, WI 53202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $422 | — | $422 | 2.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $152K |
| THE HAYS GROUP INC EIN 41-1978269 BROKER | Other commissions Service code 55 | — | $32K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 BROKER | Other commissions Service code 55 | — | $6K |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 158 | $175K |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 160 | $91K |
| Vision | SURENCY LIFE AND HEALTH | 87 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $15K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.