| 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 | $61K | $64K | $125K | 2.85% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $14K | $58K | 8.43% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $6K | $42K | 47.00% |
| NATIONAL INSURANCE MARKETING BROKER3 | 410 ARCHIBALD ST. KANSAS CITY, MO 64111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $22 | $23 | 0.03% |
| HALLIER REED LLC3 Filed as: HALLIER-REED, LLC | 6730 W 153RD ST OVERLAND PARK, KS 66223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
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 | 656 | 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) | 656 | 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 | 1,212 | $4.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 656 | $682K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 656 | $682K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 656 | $682K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 656 | $682K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 656 | $682K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,212 | $4.4M |
| Other(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 656 | $772K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,212 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.