| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $47K | $27K | $74K | 2.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET SUITE 2310 SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.10% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.02% |
| HAYS COMPANIES, INC.3 Filed as: THEY HAYS GROUP OF KANSAS CITY, LLC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | VISION SERVICE PLAN | $1K | — | $1K | 4.97% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 390 | $3.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 462 | $152K |
| Vision | VISION SERVICE PLAN | 171 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $56K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $112K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $46K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 390 | $3.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
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.