| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES - WICHITA | 7570 W 21ST N STE A, BLDG 1038 WICHITA, KS 67205 | DELTA DENTAL OF KANSAS INC | $5K | — | $5K | 6.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $314 | $4K | 12.56% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $427 | $427 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | RELIANCE STANDARD | $3K | — | $3K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE CHICAGO, IL 60614 | RELIANCE STANDARD | — | $336 | $336 | 1.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 7570 WEST 21ST STREET WICHITA, KS 67205 | FRESHBENIES | $1K | — | $1K | 7.81% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $166 | $2K | 16.14% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $217 | $217 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES - WICHITA | 7570 W 21ST N SUITE A, BLDG 1038 WICHITA, KS 67205 | SURENCY LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 9.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $111 | $111 | 1.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $696 | — | $696 | 14.99% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $70 | $70 | 1.51% |
| HAYS COMPANIES, INC.4 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $220 | — | $220 | 5.00% |
| B & C AGENCY INC4 Filed as: B&C AGENCY | 7867 SE 197TH TER LATHAM, KS 67072 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $204 | — | $204 | 4.64% |
| KEVIN D INGWERSON4 | 208 S PUTTER ANDOVER, KS 670028818 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $98 | — | $98 | 2.23% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS INC | 76 | $74K |
| Vision | SURENCY LIFE AND HEALTH INSURANCE COMPANY | 49 | $12K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD | 141 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 246 | $29K |
| Other(7 contracts, 6 carriers) | RELIANCE STANDARD | 141 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.