| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 1229 SWIFT AVE. N. KANSAS CITY, MO 64116 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $115K | $17K | $133K | 5.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET, SUITE 2310 PO BOX 410249 KANSAS CITY, MO 64105 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $22K | $6K | $28K | 1.07% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 1229 SWIFT AVE. N. KANSAS CITY, MO 64116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.60% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6640 W. 143RD SUITE 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $438 | $4K | 16.85% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $977 | $977 | $2K | 8.25% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6640 W. 143RD SUITE 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $360 | $3K | 16.74% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $870 | $870 | $2K | 8.41% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6640 W. 143RD SUITE 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $242 | $2K | 17.01% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $490 | $490 | $980 | 8.14% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6640 W. 143RD SUITE 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $274 | $95 | $369 | 20.21% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37 | $37 | $74 | 4.05% |
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 | 531 | 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) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,050 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $50K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 325 | $50K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 42 | $23K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 42 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 42 | $12K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,050 | $2.6M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 42 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.