| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANY OF KANSAS CITY, LL | 1200 MAIN STREET SUITE 2310 KANSAS CITY, KS 64105 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $33K | — | $33K | 3.75% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF WICHITA | 7570 W. 21ST STREET BLDG 1038-A WICHITA, KS 67205 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 6.43% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.39% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $767 | — | $767 | 1.83% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.91% |
| HAS BENEFITS GROUP LLC3 | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $618 | — | $618 | 1.83% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $573 | — | $573 | 1.83% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 223 | $885K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 204 | $73K |
| Life insurance | STANDARD INSURANCE COMPANY | 108 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 108 | $42K |
| Long-term disability | STANDARD INSURANCE COMPANY | 108 | $34K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 223 | $885K |
| Other | STANDARD INSURANCE COMPANY | 108 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.