| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $63K | — | $63K | 2.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | — | $33K | 10.72% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $165 | — | $165 | 0.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $296 | $77 | $373 | 5328.57% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $40 | $40 | 571.43% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $352 | $3K | — |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $466 | $466 | — |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $286 | $77 | $363 | — |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $77 | $77 | — |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 354 | $2.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $309K |
| Vision | VISION SERVICE PLAN | 229 | $33K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $309K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $309K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $309K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 354 | $2.8M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.