| 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 | $50K | — | $50K | 2.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $4K | $661 | $4K | 7.47% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $529 | $529 | 0.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $5K | $531 | $5K | 11.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $425 | $425 | 0.92% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S. ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $3K | $489 | $4K | 8.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $391 | $391 | 0.92% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $989 | — | $989 | 5.91% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 297 | $1.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 297 | $1.7M |
| Vision | VISION SERVICE PLAN | 95 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 148 | $43K |
| Short-term disability | STANDARD INSURANCE COMPANY | 148 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 148 | $46K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 297 | $1.7M |
| Other | STANDARD INSURANCE COMPANY | 148 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.