| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $10K | $14K | $24K | 2.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 32059 COLLECTIONS CENTER DR CHICAGO, IL 60693 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $6K | $10K | $16K | 1.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 3.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 32059 COLLECTIONS CENTER DR CHICAGO, IL 60693 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 2.81% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 7.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC. | 32059 COLLECTION CENTER DR CHICAGO, IL 60693 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 1.99% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COM | $1K | — | $1K | 7.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 5700 WEST 112TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COM | $355 | — | $355 | 2.33% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 178 | $1.0M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 165 | $81K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COM | 268 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $72K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 260 | $72K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 178 | $1.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 375 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.