| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET #2310 KANSAS CITY, MO 64105 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $36K | $62K | $98K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 5700 WEST 112TH STREET SUITE 100 OVERLAND PARK, KS 66211 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $26K | $38K | $63K | 6.22% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $1K | $7K | $9K | 3.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $9K | $7K | $16K | 7.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 5.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.73% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $945 | $4K | $5K | 3.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 5700 WEST 112TH STREET #100 OVERLAND PARK, KS 66211 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | — | $6K | 4.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN STREET #2310 KANSAS CITY, MO 64105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $6K | — | $6K | 4.92% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | — | $707 | $707 | 19.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 5700 W 112TH ST SUITE 100 OVERLAND PARK, KS 66211 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $531 | — | $531 | 15.01% |
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 | 957 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 842 | $7.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,485 | $119K |
| Life insurance | STANDARD INSURANCE COMPANY | 959 | $208K |
| Short-term disability | STANDARD INSURANCE COMPANY | 959 | $244K |
| Long-term disability | STANDARD INSURANCE COMPANY | 959 | $143K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 842 | $7.5M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 959 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,485 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.