| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $30K | — | $30K | 1.43% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST #900 KANSAS CITY, MO 64115 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $8K | — | $8K | 0.37% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES -KC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 2.58% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS CI | 2301 MAIN ST KANSAS CITY, ME 64108 | USABLE LIFE | $2K | $292 | $2K | 7.05% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | USABLE LIFE | $2K | — | $2K | 5.59% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH ST SUITE 900 KANSAS CITY, MO 64112 | USABLE LIFE | $1K | — | $1K | 4.41% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS CI | 2301 MAIN ST KANSAS CITY, MO 64112 | USABLE LIFE | $1K | $215 | $2K | 6.88% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | USABLE LIFE | $1K | — | $1K | 5.59% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH ST SUITE 900 KANSAS CITY, MO 64112 | USABLE LIFE | $1K | — | $1K | 4.41% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES-KC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC | $602 | — | $602 | 2.63% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 498 | $2.1M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 198 | $124K |
| Life insurance | USABLE LIFE | 333 | $28K |
| Long-term disability(2 contracts) | USABLE LIFE | 333 | $52K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 498 | $2.1M |
| Other | USABLE LIFE | 333 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.