| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 901 MARQUETTE AVE, STE 1800 MINNEAPOLIS, MN 55402 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $27K | $11K | $37K | 1.28% |
| IMA, INC.3 Filed as: IMA INC. | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $27K | — | $27K | 0.92% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.31% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE, STE 1800 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.10% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $642 | $642 | 0.81% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | SIMNSA | $5K | — | $5K | 7.00% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $651 | $651 | 2.03% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $648 | $648 | 2.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 19.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $487 | $487 | 1.91% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $42 | — | $42 | 0.16% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $927 | — | $927 | 4.56% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $695 | — | $695 | 3.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $336 | $336 | 1.65% |
| IMA, INC.3 Filed as: IMA INC | 9393 W 110TH ST STE 600 OVERLAND PARK, KS 66210 | STANDARD INSURANCE COMPANY | $282 | — | $282 | 2.51% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 901 MARQUETTE AVE, STE 1800 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $214 | — | $214 | 1.90% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $180 | — | $180 | 1.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $95 | $95 | 0.84% |
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 | 202 | 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) | 202 | 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 | 173 | $3.0M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 102 | $155K |
| Vision | STANDARD INSURANCE COMPANY | 96 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 202 | $32K |
| Short-term disability | STANDARD INSURANCE COMPANY | 56 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 34 | $31K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 173 | $2.9M |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 202 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
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.