| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | PO BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 7.76% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | PO BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | — | AETNA LIFE INSURANCE COMPANY | — | $52 | $52 | 0.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 641052122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINTON AVENUE HARTFORD, CT 06156 | $314K |
| TRIA HEALTH, LLC EIN 27-1515235 NONE | Claims processing Service code 12 | — | $31K |
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 | 731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 126 | $691K |
| Vision | AETNA LIFE INSURANCE COMPANY | 731 | $57K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 832 | $213K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 80 | $60K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 560 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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.