| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.37% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $809 | — | $809 | 0.68% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $635 | — | $635 | 1.30% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $317 | — | $317 | 0.65% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $428 | — | $428 | 1.32% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $214 | — | $214 | 0.66% |
| TERESA BURNETT3 | 1112 E JAMES ST. DERBY, KS 67037 | AFLAC | $1K | $20 | $1K | 8.63% |
| TIMOTHY FRANCIS RANUIO3 | 4420 SPRINGWOOD DRIVE NAPA, CA 94558 | AFLAC | $277 | $47 | $324 | 2.18% |
| JOHN G CATE3 Filed as: JOHN G. CATE | 4246 N. SWEET BAY ST. WICHITA, KS 67226 | AFLAC | $296 | — | $296 | 1.99% |
| JUSTIN C CARSON3 | 7701 E. KELLOGG SUITE 680 WICHITA, KS 67207 | AFLAC | $222 | — | $222 | 1.49% |
| KATHY WIEDEMANN3 | 229 E. WILLIAM ST STE 501 WICHITA, KS 67202 | AFLAC | $144 | — | $144 | 0.97% |
| SPENCER H STELLJES3 Filed as: SPENCER H. STELLJES | 338 N. QUENTIN ST. WICHITA, KS 67208 | AFLAC | $103 | — | $103 | 0.69% |
| RICHARD T DIXON3 Filed as: RICHARD T. DIXON | 6277 GREY FOX LANE SPERRY, OK 74073 | AFLAC | $92 | — | $92 | 0.62% |
| SAHAR QABAZARD3 | 2128 E. HAVEN DRIVE SANTA ROSA, CA 95404 | AFLAC | $58 | $9 | $67 | 0.45% |
| MICHAEL J. MCVAY3 | 8967 CREST VIEW DRIVE CORONA, CA 92883 | AFLAC | $59 | — | $59 | 0.40% |
| WILLINGHAM INC3 Filed as: WILLINGHAM INC. | 1502 N. METCALF LOUISBURG, KS 66053 | AFLAC | $50 | — | $50 | 0.34% |
| MARK FRIEHE3 Filed as: MARK E. FRIEHE | 4611 S. 96TH ST. STE 101 OMAHA, NE 68127 | AFLAC | $43 | — | $43 | 0.29% |
| GARY WAYNE WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $38 | — | $38 | 0.26% |
| JOHN C MAGNUSON3 Filed as: JOHN C. MAGNUSON | PO BOX 8 LINDSBORG, KS 67456 | AFLAC | $37 | — | $37 | 0.25% |
| JAMES HOMER COOK3 | 1050 N. GRETCHEN LANE WICHITA, KS 67206 | AFLAC | $34 | — | $34 | 0.23% |
| JOSEPH WESLEY WILLINGHAM3 | 1502 N. METCALF RD. LOUISBURG, KS 66053 | AFLAC | $32 | — | $32 | 0.22% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICES INC. | 193 BLUE RAVINE RD, SUITE 140 FOLSOM, CA 95630 | AFLAC | $21 | $9 | $30 | 0.20% |
| MARK FRIEHE3 Filed as: MARK E. FRIEHE | 3738 S. 149TH STREET STE 101 OMAHA, NE 68144 | AFLAC | $26 | — | $26 | 0.17% |
| PHILIP D REIBMAN3 | 9823 BRANCHWATER AVENUE CHARLOTTE, NC 28277 | AFLAC | $21 | — | $21 | 0.14% |
| MARC LUTHER HOMAN3 | 11828 W. CENTRAL AVE STE. 100 WICHITA, KS 67212 | AFLAC | $19 | — | $19 | 0.13% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | 718 MAIN ST STE 205 HAYS, KS 67601 | AFLAC | $11 | $4 | $15 | 0.10% |
| TALLY RHOADES3 Filed as: TALLY L. RHOADES | 17402 N. 56TH WAY SCOTTSDALE, AZ 85254 | AFLAC | $10 | $4 | $14 | 0.09% |
| MICHAEL BOOTH3 | 740 4TH STREET SANTA ROSA, CA 95404 | AFLAC | $11 | — | $11 | 0.07% |
| KEN P. MCGRATH3 | 73-4863 ANINI ST. KAILUA KONA, HI 96740 | AFLAC | $11 | — | $11 | 0.07% |
| SHANE EDMUND ATTEBERY3 | 1260 N. DUTTON AVE STE 180 SANTA ROSA, CA 95401 | AFLAC | $8 | — | $8 | 0.05% |
| LESLIE D. FAULKNER3 Filed as: LESLIE D FAULKNER | 301 SOUTH MCDOWELL ST SUITE 813 CHARLOTTE, NC 28204 | AFLAC | $4 | — | $4 | 0.03% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICES INC. | 193 BLUE RAVINE RD. STE 140 FOLSOM, CA 95630 | AFLAC | $4 | — | $4 | 0.03% |
| CURTIS R HARRIS3 Filed as: CURTIS HARRIS | 4810 FORT STOCKTON DRIVE CORPUS CHRISTI, TX 78413 | AFLAC | $4 | — | $4 | 0.03% |
| ELIZABETH F HARKEY3 | 501 N CHRUCH ST STE 300 CHARLOTTE, NC 28202 | AFLAC | $3 | — | $3 | 0.02% |
| BENJAMIN R. WERTHIMER3 | 6088 DAWN CT. ROHNERT PARK, CA 94928 | AFLAC | $3 | — | $3 | 0.02% |
| DAVID S. KOHLER3 | 1230 HEMP CT. ROHNERT PARK, CA 94928 | AFLAC | $3 | — | $3 | 0.02% |
| NATHAN HARRISON3 | 16024 MANCHESTER RD. 2ND FLOOR STE 200 ELLISVILLE, MO 63011 | AFLAC | $2 | — | $2 | 0.01% |
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 | 684 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 684 | $118K |
| Short-term disability | STANDARD INSURANCE COMPANY | 323 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 684 | $49K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 684 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.