| 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 | $17K | $19K | $36K | 1.57% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY, LLC | P.O. BOX 410249 1200 MAIN ST., #2310 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.77% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 384 | $2.3M |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $100K |
| Vision | STANDARD INSURANCE COMPANY | 184 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 265 | $58K |
| Short-term disability | STANDARD INSURANCE COMPANY | 265 | $76K |
| Long-term disability | STANDARD INSURANCE COMPANY | 265 | $48K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 384 | $2.3M |
| Other | STANDARD INSURANCE COMPANY | 265 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.