| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $108K | $116K | 3.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $11K | 11.96% |
| SUSAN L MASCARO3 | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC INCORPORATED | $5K | $265 | $5K | 8.58% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH, INC | 7509 NW TIFFANY SPRINGS PKWY SUITE 100 KANSAS CITY, MO 64153 | AFLAC INCORPORATED | $1K | $53 | $1K | 2.00% |
| K GRAMLICH INC3 | 7509 NW TIFFANY SPRINGS PKWY 100 KANSAS CITY, MO 64153 | AFLAC INCORPORATED | $713 | $53 | $766 | 1.22% |
| DENISE R MUSTOE3 | 2301 BURLINGTON ST SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC INCORPORATED | $534 | — | $534 | 0.85% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $437 | $53 | $490 | 0.78% |
| TARA M JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC INCORPORATED | $315 | — | $315 | 0.50% |
| RUSSELL W TINNEY3 | 824 S MILLS RD MOYOCK, NC 27958 | AFLAC INCORPORATED | $277 | — | $277 | 0.44% |
| JERRY LEE BROCKMAN3 | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $199 | — | $199 | 0.32% |
| KERRY R PICKARD3 | 8534 N OVERLAND DRIVE KANSAS CITY, MO 64154 | AFLAC INCORPORATED | $123 | — | $123 | 0.20% |
| DAWN CIERPIOT3 Filed as: DAWN R CIERPIOT | 10916 N WALLACE AVE KANSAS CITY, MO 64157 | AFLAC INCORPORATED | $99 | — | $99 | 0.16% |
| JANEANE E BROCKMAN3 | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $92 | — | $92 | 0.15% |
| ERIN L KIRKLAND3 | PO BOX 351 BULLARD, TX 75757 | AFLAC INCORPORATED | $88 | — | $88 | 0.14% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC INCORPORATED | $87 | — | $87 | 0.14% |
| CONSTANCE I LAGER3 | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC INCORPORATED | $75 | — | $75 | 0.12% |
| MICHAEL SHANE KIRKLAND3 | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC INCORPORATED | $72 | — | $72 | 0.11% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC INCORPORATED | $68 | — | $68 | 0.11% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY L GRAMLICH | 7509 NW TIFFANY SPRINGS PARKWAY SUITE 100 KANSAS CITY, MO 64153 | AFLAC INCORPORATED | $49 | — | $49 | 0.08% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $45 | — | $45 | 0.07% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $39 | — | $39 | 0.06% |
| STEPHANIE CONNOR3 Filed as: STEPHANIE S CONNOR | 6508 NW ROCK GARDEN ROAD PARKVILLE, MO 64152 | AFLAC INCORPORATED | $38 | — | $38 | 0.06% |
| MICHAEL HOWARD WEEKS3 | 303 E MAIN ST STE 9 ELIZABETH CITY, NC 27909 | AFLAC INCORPORATED | $35 | — | $35 | 0.06% |
| JESSICA CALVO3 | 1985 S OCEAN DR APT 3Q HALLANDALE BEACH, FL 33009 | AFLAC INCORPORATED | $35 | — | $35 | 0.06% |
| DAVID H SEVON3 | 1309 E REPUBLIC RD STE A SPRINGFIELD, MO 65804 | AFLAC INCORPORATED | $33 | — | $33 | 0.05% |
| LINDA J MAYBERRY3 | 8450 W FARM ROAD 160 REPUBLIC, MO 65738 | AFLAC INCORPORATED | $29 | — | $29 | 0.05% |
| CARL MASCARO3 | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC INCORPORATED | $23 | — | $23 | 0.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST STE 700 MINNEAPOLIS, MN 55402 | AFLAC INCORPORATED | $23 | — | $23 | 0.04% |
| MINDY SKIDMORE LLC3 | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC INCORPORATED | $21 | — | $21 | 0.03% |
| FRANCO CALVO3 | 1451 W CYPRESS CREEK RD STE 300 FT LAUDERDALE, FL 33309 | AFLAC INCORPORATED | $18 | — | $18 | 0.03% |
| ERIC J HENNEGIN3 | 7604 S PEOGA RD TRAFALGAR, IN 46181 | AFLAC INCORPORATED | $10 | — | $10 | 0.02% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC INCORPORATED | $9 | — | $9 | 0.01% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| LUCAS BAUMGARTNER3 | 20 LAKE ST N STE 200 FOREST LAKE, MN 55025 | AFLAC INCORPORATED | $2 | — | $2 | 0.00% |
| MARY F KELASH3 | 32114 COUNTY ROAD 1 SAINT CLOUD, MN 56303 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| WENDY RENARD3 Filed as: WENDY M RENARD | 24133 FAWN CT NE STACY, MN 55079 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 3.69% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $863 | $5K | 11.99% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $980 | $195 | $1K | 11.98% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 469 | $3.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 469 | $3.8M |
| Vision | VISION SERVICE PLAN | 239 | $51K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $43K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.