| 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 | $81K | — | $81K | 1.37% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 7570 W 21ST SUITE 1038-A WICHITA, KS 67205 | DELTA DENTAL OF KANSAS, INC. | $9K | — | $9K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS INC | $6K | — | $6K | 5.00% |
| 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 | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.50% |
| 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 | $16K | $1K | $17K | 21.79% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $390 | $390 | 0.51% |
| 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 | $6K | — | $6K | 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 | 9.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $736 | $736 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $214 | $2K | 21.75% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $551 | $551 | 4.95% |
| 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 | $234 | — | $234 | 4.99% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $70 | $70 | 1.49% |
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 | 778 | 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) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS | 778 | $6.0M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 338 | $298K |
| Vision | SURENCY LIFE AND HEALTH | 402 | $63K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 637 | $120K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 526 | $97K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 220 | $49K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS | 778 | $6.0M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 649 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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.