| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 1200 MAIN ST. #2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 2.68% |
| HAYS COMPANIES, INC.3 | 1200 MAIN ST. #2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $371 | $7K | 15.89% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 5.32% |
| MICHAEL D CHRISMAN3 | 515 S. MAIN ST. SUITE 105 WICHITA, KS 67202 | AFLAC | $417 | $79 | $496 | 5.38% |
| LAURENCE W KEMP3 Filed as: LAURENCE W. KEMP | 1018 N. BATTIN ST. WICHITA, KS 67208 | AFLAC | $408 | — | $408 | 4.42% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | AFLAC | $193 | — | $193 | 2.09% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 S. MAIN ST. SUITE 105 WICHITA, KS 67202 | AFLAC | $141 | $14 | $155 | 1.68% |
| AUSTIN HUGHES GAST3 | P.O. BOX 392 MAIZE, KS 67101 | AFLAC | $43 | — | $43 | 0.47% |
| RUSTY J HELIN3 Filed as: RUSTY J. HELIN | 2012 SE 9TH ST. MOORE, OK 73160 | AFLAC | $37 | — | $37 | 0.40% |
| PATRICIA KEMP3 | 1018 N. BATTIN ST. WICHITA, KS 67208 | AFLAC | $36 | — | $36 | 0.39% |
| TERESA BURNETT3 | 1112 E. JAMES ST. DERBY, KS 67037 | AFLAC | $31 | — | $31 | 0.34% |
| JAMES HOMER COOK3 | 8509 E. HUNTINGTON ST. WICHITA, KS 67206 | AFLAC | $29 | — | $29 | 0.31% |
| MARC LUTHER HOMAN3 | 11828 W. CENTRAL STE 100 WICHITA, KS 67212 | AFLAC | $26 | — | $26 | 0.28% |
| DAVID R. PETRO3 | 873 N. 1928TH RD. LECOMPTON, KS 66050 | AFLAC | $21 | — | $21 | 0.23% |
| BRAD J SCHUMACHER3 Filed as: BRAD J. SCHUMACHER | 2804 COUNTRY LN. HAYS, KS 67601 | AFLAC | $21 | — | $21 | 0.23% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DR. BOULDER, CO 80304 | AFLAC | $21 | — | $21 | 0.23% |
| WESLEY LEGRAND WILLIAMS JR3 Filed as: WESLEY LEGRAND WILLIAMS JR. | 2137 S. WICHITA ST. WICHITA, KS 67213 | AFLAC | $18 | — | $18 | 0.20% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR. SEBRING, FL 33875 | AFLAC | $17 | — | $17 | 0.18% |
| RYAN LAGER3 | 9221 NE 111TH ST. KANSAS CITY, MO 64157 | AFLAC | $9 | $7 | $16 | 0.17% |
| LOLLMAN COMPANY, INC.3 | 1221 SW 17TH ST. TOPEKA, KS 66604 | AFLAC | $13 | — | $13 | 0.14% |
| WILLINGHAM INC3 Filed as: WILLINGHAM INC. | 35354 MISSION BELLEVIEW RD. LOUISBURG, KS 66053 | AFLAC | $12 | — | $12 | 0.13% |
| NATHAN L HARRISON3 Filed as: NATHAN L. HARRISON | 8303 N. 61ST PLACE PARADISE VALLEY, AZ 85253 | AFLAC | $8 | — | $8 | 0.09% |
| MINDY SKIDMORE LLC3 | 6220 NE 132ND ST. SMITHVILLE, MO 64089 | AFLAC | $4 | $3 | $7 | 0.08% |
| CHRISTI LANE FARNAN3 | 11193 CLUB VIEW DR. ST. JOSEPH, MO 64505 | AFLAC | $2 | $3 | $5 | 0.05% |
| KENNETH D MORRIS JR3 Filed as: KENNETH D. MORRIS, JR. | 5410 PLYMOUTH DR. LAWRENCE, KS 66049 | AFLAC | $3 | — | $3 | 0.03% |
| CHRISTOPHER THOMAS HIPP3 | 1601 MEADOW LANE HAYS, KS 67601 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN A BACON3 Filed as: JOHN A. BACON | 30837 SPRING VALLEY RD. PAOLA, KS 66071 | AFLAC | $1 | — | $1 | 0.01% |
| TERRY S DECKER3 Filed as: TERRY S. DECKER | 123401 EW 6 RD. TURPIN, OK 73950 | AFLAC | $1 | — | $1 | 0.01% |
| JONI S WOBORNY BUNKER3 Filed as: JONI S. WOBORNY BUNKER | 4601 LICHEN LN. MANHATTAN, KS 66503 | AFLAC | $0 | — | $0 | 0.00% |
| BRIAN MILLS3 | 1402 W. LUCY WEBB RD. RAYMORE, MO 64083 | AFLAC | $0 | — | $0 | 0.00% |
| JANICE A ROBINSON3 Filed as: JANICE ARLENE ROBINSON | 22010 BRIDGESTONE HAWK CT. SPRING, TX 77388 | AFLAC | $0 | — | $0 | 0.00% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA BEHAVIORAL HEALTH, LLC | 215 | $4K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 158 | $104K |
| Vision | VISION SERVICE PLAN | 127 | $22K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $42K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.