| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | UNKNOWN LENEXA, KS 66219 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $14K | $5K | $18K | 4.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | UNKNOWN LENEXA, KS 66219 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 11.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 9.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 4.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | UNKNOWN LENEXA, KS 66219 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 7.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY KANSAS CITY, MO 64114 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $893 | $0 | $893 | 9.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $393 | $0 | $393 | 3.98% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 158 | $613K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 115 | $57K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 335 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 26 | $83K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 26 | $83K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 26 | $83K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 158 | $613K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 26 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.