| 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 | $13K | $1K | $14K | 16.24% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.88% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $10K | $939 | $11K | 16.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 1.91% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $6K | $543 | $7K | 16.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $776 | $776 | 1.90% |
| JOHN G CATE3 | 4246 N SWEET BAY ST WICHITA, KS 67226 | AFLAC | $194 | — | $194 | 2.84% |
| TERESA BURNETT3 | 1112 E JAMES ST DERBY, KS 67037 | AFLAC | $144 | $8 | $152 | 2.22% |
| RICHARD T DIXON3 | 6277 GREY FOX LN SPERRY, OK 74073 | AFLAC | $78 | — | $78 | 1.14% |
| JUSTIN C CARSON3 | 7701 E KELLOGG DR STE 680 WICHITA, KS 67207 | AFLAC | $56 | $2 | $58 | 0.85% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | AFLAC | $43 | — | $43 | 0.63% |
| WILLINGHAM INC3 Filed as: WILLINGHAM INC. | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $36 | — | $36 | 0.53% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $33 | $2 | $35 | 0.51% |
| GARY WAYNE WILLINGHAM3 | 8116 STATE ROAD 66 ZOLFO SPRINGS, FL 33890 | AFLAC | $31 | — | $31 | 0.45% |
| JOHN C MAGNUSON3 | PO BOX 8 LINDSBORG, KS 67546 | AFLAC | $31 | — | $31 | 0.45% |
| JAMES HOMER COOK3 | 1050 N GRETCHEN LN WICHITA, KS 67206 | AFLAC | $24 | — | $24 | 0.35% |
| MICHAEL SHAWN CRAWFORD3 | 1014 WELLINGTON ROAD LAWRENCE, KS 66049 | AFLAC | $10 | $7 | $17 | 0.25% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $15 | — | $15 | 0.22% |
| ROBERT BURNS FAUGHT JR3 | PO BOX 4566 TOPEKA, KS 66604 | AFLAC | $10 | $2 | $12 | 0.18% |
| PERRY HENAULT3 | 2443 SE CUVIER ST TECUMSEH, KS 66542 | AFLAC | $5 | $2 | $7 | 0.10% |
| CURTIS R HARRIS3 | 4810 FORT STOCKTON DR CORPUS CHRISTI, TX 78413 | AFLAC | $4 | — | $4 | 0.06% |
| CHRISTOPHER THOMAS HIPP3 | 718 MAIN ST, STE 205 STE 101 HAYS, KS 67601 | AFLAC | $3 | — | $3 | 0.04% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $3 | — | $3 | 0.04% |
| JOSEPH WESLEY WILLINGHAM3 | 1502 N METCALF RD LOUISBURG, KS 66053 | AFLAC | $2 | — | $2 | 0.03% |
| LYNN E MOLLER3 | 332 E 1ST ST N WICHITA, KS 67202 | AFLAC | $1 | — | $1 | 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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 456 | $88K |
| Short-term disability | STANDARD INSURANCE COMPANY | 326 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 456 | $70K |
| Other | AFLAC | 15 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.