| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 S. 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $19K | $6K | $26K | 3.75% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 S. 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $20K | $7K | $26K | 5.29% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES INC - MN | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $3K | $988 | $4K | 5.21% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 641410249 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 641410249 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $880 | $0 | $880 | 3.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $293 | $293 | 1.28% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY | 80 S. 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $406 | — | $406 | 6.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 641410249 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $506 | $0 | $506 | 10.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $190 | $190 | 3.76% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80 SOUTH 8TH STREET IDS CENTER STE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | — | $261 | $261 | — |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 200 | $80K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 71 | $7K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $71K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $66K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
No prospect flags tripped on this filing.