| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 15.93% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN - KANSAS CITY | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC. | $11K | $0 | $11K | 6.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVENUE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.81% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVENUE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.19% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $170 | $0 | $170 | 0.50% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVENUE MINNEAPOLIS, MN 55402 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 18.93% |
| DORA L FABEL4 | 123 OLIVE AVENUE NEW ALBANY, MI 47150 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $253 | — | $253 | 2.71% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $48 | $0 | $48 | 0.51% |
| PROPER CARE4 | 10229 S RIVER TRL KNOXVILLE, TN 37922 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $48 | $0 | $48 | 0.51% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 266 | $176K |
| Vision | VISION SERVICE PLAN | 235 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $180K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $180K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $180K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 317 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.