| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 SUITE 2310 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $43K | — | $43K | 2.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $3K | $595 | $3K | 6.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $952 | $952 | 1.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $4K | $478 | $4K | 9.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $765 | $765 | 1.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $2K | $441 | $3K | 6.77% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $705 | $705 | 1.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 7570 W. 21ST. BLDG 1038-A WICHITA, KS 67205 | VISION SERVICE PLAN | $703 | — | $703 | 5.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $185 | — | $185 | 1.33% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 281 | $1.5M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 281 | $1.5M |
| Vision | VISION SERVICE PLAN | 90 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 139 | $38K |
| Short-term disability | STANDARD INSURANCE COMPANY | 139 | $51K |
| Long-term disability | STANDARD INSURANCE COMPANY | 139 | $41K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 281 | $1.5M |
| Other | STANDARD INSURANCE COMPANY | 139 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.