| 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 | $7K | $74K | $81K | 2.01% |
| 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 | $11K | — | $11K | 10.00% |
| SUSAN L MASCARO3 | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC INCORPORATED | $6K | $202 | $6K | 8.64% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH, INC | 7509 NW TIFFANY SPRINGS PKWY SUITE 100 KANSAS CITY, MO 64153 | AFLAC INCORPORATED | $1K | $34 | $1K | 1.92% |
| K GRAMLICH INC3 | 7509 NW TIFFANY SPRINGS PKWY 100 KANSAS CITY, MO 64153 | AFLAC INCORPORATED | $804 | $34 | $838 | 1.25% |
| DENISE R MUSTOE3 | 2301 BURLINGTON ST SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC INCORPORATED | $494 | — | $494 | 0.74% |
| RUSSELL W TINNEY3 | 824 S MILLS RD MOYOCK, NC 27958 | AFLAC INCORPORATED | $433 | $58 | $491 | 0.73% |
| TARA M JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC INCORPORATED | $296 | — | $296 | 0.44% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $291 | — | $291 | 0.43% |
| JERRY LEE BROCKMAN3 Filed as: JERRY BROCKMAN | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $199 | — | $199 | 0.30% |
| KERRY R PICKARD3 | 8534 N OVERLAND DRIVE KANSAS CITY, MO 64154 | AFLAC INCORPORATED | $117 | — | $117 | 0.17% |
| JANEANE E BROCKMAN3 | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $92 | — | $92 | 0.14% |
| JOSEPH ZEZZA3 Filed as: JOSEPH C ZEZZA | 9856 N LEWIS AVE KANSAS CITY, MO 64157 | AFLAC INCORPORATED | $89 | — | $89 | 0.13% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC INCORPORATED | $87 | — | $87 | 0.13% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY L GRAMLICH | 455 S SAM BAR DR STE 205 KEARNEY, MO 64060 | AFLAC INCORPORATED | $77 | $6 | $83 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JOHN MERCER | 6813 S JUANITA ST UNIT A TAMPA, FL 33616 | AFLAC INCORPORATED | $80 | — | $80 | 0.12% |
| DAWN CIERPIOT3 Filed as: DAWN R CIERPIOT | 10916 N WALLACE AVE KANSAS CITY, MO 64157 | AFLAC INCORPORATED | $74 | — | $74 | 0.11% |
| MICHAEL HOWARD WEEKS3 Filed as: MICHAEL WEEKS | 1001 BROAD ST COMMERCE CENTER SUITE 130 JOHNSTOWN, PA 15905 | AFLAC INCORPORATED | $60 | $10 | $70 | 0.10% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC INCORPORATED | $57 | — | $57 | 0.09% |
| ERIN L KIRKLAND3 | PO BOX 351 BULLARD, TX 75757 | AFLAC INCORPORATED | $48 | — | $48 | 0.07% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 327 S WALNUT ST FLORENCE, AL 35630 | AFLAC INCORPORATED | $39 | — | $39 | 0.06% |
| STEPHANIE CONNOR3 | 6508 NW ROCK GARDEN ROAD PARKVILLE, MO 64152 | AFLAC INCORPORATED | $39 | — | $39 | 0.06% |
| KIMBERLY A SCHOTT3 Filed as: KIMBERLY SCHOTT | 5050 HACIENDA DR #2337 DUBLIN, CA 94568 | AFLAC INCORPORATED | $35 | — | $35 | 0.05% |
| JESSICA CALVO3 | 2500 PARKVIEW DR APT 1815 HALLANDALE BEACH, FL 33009 | AFLAC INCORPORATED | $29 | — | $29 | 0.04% |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY J FRYE | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $28 | — | $28 | 0.04% |
| DANIEL H GRIFFIN3 Filed as: DANIEL GRIFFIN | 104 BURGUNDY COURT MARTINEZ, CA 94553 | AFLAC INCORPORATED | $27 | — | $27 | 0.04% |
| CARL MASCARO3 | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC INCORPORATED | $23 | — | $23 | 0.03% |
| MINDY SKIDMORE LLC3 | 98 W CHURCH ST SMITHVILLE, MO 64089 | AFLAC INCORPORATED | $18 | — | $18 | 0.03% |
| FRANCO CALVO3 | 1451 W CYPRESS CREEK RD STE 300 FT LAUDERDALE, FL 33309 | AFLAC INCORPORATED | $18 | — | $18 | 0.03% |
| DAVID H SEVON3 | 1309 E REPUBLIC RD STE A SPRINGFIELD, MO 65804 | AFLAC INCORPORATED | $17 | — | $17 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST STE 700 MINNEAPOLIS, MN 55402 | AFLAC INCORPORATED | $14 | — | $14 | 0.02% |
| JONATHAN PAYNE3 | 110 HASLEMERE CT LAFAYETTE, CA 94549 | AFLAC INCORPORATED | $14 | — | $14 | 0.02% |
| LINDA J MAYBERRY3 | 8450 W FARM ROAD 160 REPUBLIC, MO 65738 | AFLAC INCORPORATED | $12 | — | $12 | 0.02% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC INCORPORATED | $9 | — | $9 | 0.01% |
| RICHARDO SORIANO3 | 24620 STATE ROAD 54 LUTZ, FL 33559 | AFLAC INCORPORATED | $9 | — | $9 | 0.01% |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC INCORPORATED | $8 | — | $8 | 0.01% |
| RANDALL BARTLEIN3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC INCORPORATED | $7 | — | $7 | 0.01% |
| MICHAEL RHODD3 | 2818 ROCKVILLE RD FAIRFIELD, CA 94534 | AFLAC INCORPORATED | $7 | — | $7 | 0.01% |
| JANET RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC INCORPORATED | $6 | — | $6 | 0.01% |
| ERIC J HENNEGIN3 | 7604 S PEOGA RD TRAFALGAR, IN 46181 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| DONNA BAILEY3 | 354 LAKESIDE DR LIBERTY, MO 64068 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC INCORPORATED | $2 | — | $2 | 0.00% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2831 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC INCORPORATED | $2 | — | $2 | 0.00% |
| LAUREL NICOLE HARMS3 Filed as: LAUREL HARMS | 334 STEVEN CIRCLE BENICIA, CA 94510 | AFLAC INCORPORATED | $0 | — | $0 | 0.00% |
| EDWARD M RYSKA3 Filed as: EDWARD RYSKA | 6010 ROBLAR RD POTALUMA, AA 94952 | AFLAC INCORPORATED | $0 | — | $0 | 0.00% |
| JONATHAN KIRKLAND3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC INCORPORATED | $0 | — | $0 | 0.00% |
| SUWAT ASSAWAMATIYANONT3 | 1800 NE 48TH CT FORT LAUDERDALE, FL 33308 | AFLAC INCORPORATED | $0 | — | $0 | 0.00% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC INCORPORATED | $0 | — | $0 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC INCORPORATED | $0 | — | $0 | 0.00% |
| RYAN WESNER3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $0 | — | $0 | 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 | 3.56% |
| 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 | $5K | — | $5K | 10.00% |
| 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 | $1K | — | $1K | 10.00% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 705 | $4.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 705 | $4.0M |
| Vision | VISION SERVICE PLAN | 635 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $111K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $50K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 256 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.