| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $30K | $32K | $62K | 2.81% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 6.62% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 39.41% |
| NATIONAL INSURANCE MARKETING BROKER3 | 410 ARCHIBALD ST. KANSAS CITY, MO 64111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$95 | $118 | $23 | 0.03% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6640 W. 143RD SUITE 205 OVERLAND PARK, KS 66223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$36 | — | -$36 | -0.05% |
| HAYS COMPANIES, INC.3 | P.O. BOX 410249 1200 MAIN ST., #2310 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $548 | $548 | 313.14% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6640 W. 143RD SUITE 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26 | — | $26 | 14.86% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | $9 | $18 | 10.29% |
| HAYS COMPANIES, INC.3 | P.O. BOX 410249 1200 MAIN ST., #2310 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $724 | $724 | 428.40% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6640 W. 143RD SUITE 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25 | — | $25 | 14.79% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8 | $8 | $16 | 9.47% |
| HAYS COMPANIES, INC.3 | P.O. BOX 410249 1200 MAIN ST., #2310 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $851 | — | $851 | 515.76% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6640 W. 143RD SUITE 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25 | — | $25 | 15.15% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8 | $8 | $16 | 9.70% |
| HAYS COMPANIES, INC.3 | P.O. BOX 410249 1200 MAIN ST., #2310 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $397 | $397 | 451.14% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6640 W. 143RD SUITE 205 OVERLAND PARK, KS 66223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13 | — | $13 | 14.77% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W. 107TH SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4 | $4 | $8 | 9.09% |
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 | 1,022 | 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) | 1,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,022 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $301K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 457 | $301K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5 | $344 |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9 | $165 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5 | $88 |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,022 | $2.2M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,022 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.