| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 920 MAINE ST. STE. 2100 KANSAS CITY, MO 64105 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $24K | — | $24K | 1.45% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES - WICHITA | 7570 W 21ST ST N, STE A, BLDG 1038 WICHITA, KS 67205 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 6.56% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KC | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 18.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET #2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE AGENCY | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY, LLC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | VCP SERVICES, INC. | $2K | — | $2K | 10.00% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $73 | $73 | — |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 226 | $1.7M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 255 | $83K |
| Vision | VCP SERVICES, INC. | 181 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $36K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 226 | $1.7M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.