| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | BLUECROSS BLUESHIELD OF KANSAS | $88K | — | $88K | 1.47% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 2.50% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 7570 W 21ST SUITE 1038-A WICHITA, KS 67205 | DELTA DENTAL OF KANSAS, INC. | $12K | — | $12K | 6.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS INC | $8K | — | $8K | 6.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KC LLC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $1K | $19K | 23.26% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $438 | $438 | 0.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET IDS CENTER SUITE 700 MINNEAPOLIS, MN 55402 | SURENCY LIFE AND HEALTH | $7K | — | $7K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.27% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $603 | $603 | 1.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $160 | $3K | 24.29% |
| BENEFITSTORE INC0 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $592 | $592 | 5.69% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | — | $39 | 4.95% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $11 | $11 | 1.40% |
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 | 971 | 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) | 971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS | 833 | $6.0M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 346 | $322K |
| Vision | SURENCY LIFE AND HEALTH | 410 | $66K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 971 | $230K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 535 | $103K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 252 | $54K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS | 833 | $6.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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."
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.