| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $47K | $165K | $212K | 1.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN KANSAS CITY | 1200 MAIN, SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC. | $11K | $0 | $11K | 1.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MA 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $5K | $45K | 11.21% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IA 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $4K | $34K | 11.21% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $37K | $7K | $44K | 23.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | EYEMED VISION CARE | $6K | $0 | $6K | 4.09% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | EYEMED VISION CARE | $5K | $0 | $5K | 3.14% |
| THREEFLOW3 | 306 W. ERIE STREET SUITE #300 CHICAGO, IL 60654 | EYEMED VISION CARE | $2K | $0 | $2K | 1.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $1K | $15K | 10.87% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $2K | $15K | 11.21% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 7.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | HUMANA INSURANCE COMPANY | $625 | $0 | $625 | 3.19% |
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 | 2,066 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 2,026 | $13.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 1,530 | $591K |
| Vision | EYEMED VISION CARE | 2,019 | $158K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,066 | $267K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,066 | $405K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,066 | $301K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,066 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,066 | — |
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.