| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF KANSAS | $28K | — | $28K | 3.53% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC - WICHITA | 7570 W. 21ST BLDG 1038-A WICHITA, KS 67205 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 6.39% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY, LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP | 80 S. 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $478 | — | $478 | 2.32% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $299 | — | $299 | 1.45% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $263 | — | $263 | 2.31% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $164 | — | $164 | 1.44% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - WICHITA | 7570 W. 21ST BLDG 1038-A WICHITA, KS 67205 | SURENCY LIFE AND HEALTH | $624 | — | $624 | 9.26% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $930 | — | $930 | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $103 | — | $103 | 1.66% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $65 | — | $65 | 1.05% |
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 | 201 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 201 | $780K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 225 | $82K |
| Vision | SURENCY LIFE AND HEALTH | 74 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 130 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 27 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 32 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 201 | $780K |
| Other | STANDARD INSURANCE COMPANY | 130 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.