| 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 | $17K | $1K | $18K | 15.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.82% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $14K | $1K | $15K | 15.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.82% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 7570 W 21ST ST N BLDG 1038-A WICHITA, KS 67205 | SURENCY LIFE AND HEALTH | $9K | — | $9K | 14.73% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $9K | $641 | $9K | 15.88% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.75% |
| JOHN G CATE3 | 4246 N SWEET BAY ST WICHITA, KS 67226 | AFLAC | $194 | — | $194 | 3.33% |
| JENNIFER M WEINMAN3 | 11915 W CARR CT WICHITA, KS 67209 | AFLAC | $136 | — | $136 | 2.34% |
| TERESA BURNETT3 | 1112 E JAMES ST DERBY, KS 67037 | AFLAC | $110 | — | $110 | 1.89% |
| RICHARD T DIXON3 | 6277 GREY FOX LN SPERRY, OK 74073 | AFLAC | $65 | — | $65 | 1.12% |
| JUSTIN C CARSON3 | 7701 E KELLOGG DR STE 680 WICHITA, KS 67207 | AFLAC | $58 | — | $58 | 1.00% |
| MARK FRIEHE3 Filed as: MARK E FRIEHE | 11218 JOHN GALT BLVD STE 101 OMAHA, NE 68137 | AFLAC | $43 | — | $43 | 0.74% |
| WILLINGHAM INC3 Filed as: WILLINGHAM INC. | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $33 | — | $33 | 0.57% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $29 | — | $29 | 0.50% |
| TANNER R KING3 | 1909 N NICKELTON ST WICHITA, KS 67235 | AFLAC | $27 | — | $27 | 0.46% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $24 | — | $24 | 0.41% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN ST STE 105 WICHITA, KS 67202 | AFLAC | $19 | — | $19 | 0.33% |
| JAMES HOMER COOK3 | 1050 N GRETCHEN LN WICHITA, KS 67206 | AFLAC | $13 | — | $13 | 0.22% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $5 | — | $5 | 0.09% |
| CHRISTOPHER THOMAS HIPP3 | 1601 MEADOW LN HAYS, KS 67601 | AFLAC | $3 | — | $3 | 0.05% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $3 | — | $3 | 0.05% |
| CURTIS R HARRIS3 | 4810 FORT STOCKTON DR CORPUS CHRISTI, TX 78413 | AFLAC | $2 | — | $2 | 0.03% |
| LYNN E MOLLER3 | 332 E 1ST ST N WICHITA, KS 67202 | AFLAC | $1 | — | $1 | 0.02% |
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 | 557 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 986 | $3.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS | 986 | $3.8M |
| Vision | SURENCY LIFE AND HEALTH | 400 | $59K |
| Life insurance | STANDARD INSURANCE COMPANY | 557 | $113K |
| Short-term disability | STANDARD INSURANCE COMPANY | 452 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 554 | $92K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 986 | $3.5M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 986 | $3.5M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 557 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.