| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14K | — | $14K | 7.36% |
| INSURANCE SPECIALISTS LLC3 | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 3.68% |
| GREGORY A MCROBERTS3 Filed as: GREGORY A. MCROBERTS | 900 EAST 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $541 | $5K | $6K | 3.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.31% |
| CORBIN L. LAMBERT3 | 14301 FNB PARKWAY, SUITE 100 OMAHA, NE 68154 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $956 | $3K | 1.54% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: THE INSURANCE PARTNERS LLC | 11225 COLLEGE BOULEVARD OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $354 | $5 | $359 | 0.19% |
| MJ INSURANCE3 Filed as: NEBRASKA AGENCY AND VARIOUS AGENTS | 10250 REGENCY CIRCLE, SUITE 250 OMAHA, NE 68114 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $95 | $95 | 0.05% |
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 | 2,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 252 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,264 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,264 | $2.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,118 | $940K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,118 | $1.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,264 | $2.5M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,323 | $993K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,264 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.