| 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 | $37K | $13K | $50K | 3.62% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - MN | 80 SOUTH 8TH STREET, # 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $3K | $669 | $4K | 4.66% |
| HAYS COMPANIES, INC.3 | SUITE 700 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $939 | $6K | 12.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 641410249 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $503 | — | $503 | 6.00% |
| HAYS COMPANIES, INC.3 | STE 700 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $614 | $123 | $737 | 12.01% |
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 | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 185 | $1.4M |
| Dental | DELTA DENTAL OF MISSOURI | 174 | $83K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 50 | $8K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $47K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.