| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 S. 8TH ST STE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $29K | $17K | $46K | 2.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $40K | $42K | 2.36% |
| 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 | $12K | $3K | $14K | 12.40% |
| SUSAN L MASCARO3 | 4267 WORDSWORTH WAY VENICE, FL 34293 | AFLAC INCORPORATED | $5K | $76 | $5K | 7.33% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH, INC | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC INCORPORATED | $901 | — | $901 | 1.34% |
| K GRAMLICH INC3 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC INCORPORATED | $820 | $15 | $835 | 1.24% |
| DENISE R MUSTOE3 | 2301 BURLINGTON ST SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC INCORPORATED | $474 | — | $474 | 0.71% |
| TARA M JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC INCORPORATED | $285 | — | $285 | 0.42% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $262 | — | $262 | 0.39% |
| JERRY LEE BROCKMAN3 Filed as: JERRY BROCKMAN | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $199 | — | $199 | 0.30% |
| AMY ZIMMERMAN3 | 200 BROOKWOOD ST LANSING, KS 66043 | AFLAC INCORPORATED | $148 | — | $148 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JOHN MERCER | 6813 S JUANITA ST UNIT A TAMPA, FL 33616 | AFLAC INCORPORATED | $136 | — | $136 | 0.20% |
| JOSEPH ZEZZA3 Filed as: JOSEPH C ZEZZA | 448 RUSHFOIL DR COLUMBIA, SC 13460 | AFLAC INCORPORATED | $135 | — | $135 | 0.20% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, NC 28314 | AFLAC INCORPORATED | $107 | — | $107 | 0.16% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 N OVERLAND DRIVE KANSAS CITY, MO 64154 | AFLAC INCORPORATED | $94 | — | $94 | 0.14% |
| JANEANE E BROCKMAN3 Filed as: JANEANE BROCKMAN | 5804 LEATHERBOOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $92 | — | $92 | 0.14% |
| JOHN TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC INCORPORATED | $87 | — | $87 | 0.13% |
| DAWN CIERPIOT3 Filed as: DAWN R CIERPIOT | 10916 N WALLACE AVE KANSAS CITY, MO 64157 | AFLAC INCORPORATED | $74 | — | $74 | 0.11% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC INCORPORATED | $54 | — | $54 | 0.08% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC INCORPORATED | $45 | — | $45 | 0.07% |
| ERIN L KIRKLAND3 | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC INCORPORATED | $44 | — | $44 | 0.07% |
| STEPHANIE CONNOR3 | 7865 NW ROANRIDGE RD APT F KANSAS CITY, MO 64151 | AFLAC INCORPORATED | $39 | — | $39 | 0.06% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC INCORPORATED | $35 | — | $35 | 0.05% |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC INCORPORATED | $30 | — | $30 | 0.04% |
| KIMBERLY A SCHOTT3 Filed as: KIMBERLY SCHOTT | 5050 HACIENDA DR #2337 DUBLIN, CA 94568 | AFLAC INCORPORATED | $24 | — | $24 | 0.04% |
| CARL MASCARO3 | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC INCORPORATED | $23 | — | $23 | 0.03% |
| MICHAEL HOWARD WEEKS3 Filed as: MICHAEL WEEKS | 160 ELLIOTT RD AYDLETT, NC 27916 | AFLAC INCORPORATED | $23 | — | $23 | 0.03% |
| JEREMY FRYE3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $21 | — | $21 | 0.03% |
| JANET RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC INCORPORATED | $21 | — | $21 | 0.03% |
| FRANCO CALVO3 | PO BOX 85183 HALLANDALE BEACH, FL 33008 | AFLAC INCORPORATED | $18 | — | $18 | 0.03% |
| WESNER ENTERPRISES LLC3 Filed as: WESNER ENTERPRISES, LLC | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $16 | — | $16 | 0.02% |
| DAVID H SEVON3 | 7651 W CARL AVE SPRINGFIELD, MO 65802 | AFLAC INCORPORATED | $15 | — | $15 | 0.02% |
| RICHARDO SORIANO3 | 2044 ASHLEY OAKS CIR STE 102 WESLEY CHAPEL, FL 33544 | AFLAC INCORPORATED | $15 | — | $15 | 0.02% |
| DONNA BAILEY3 | 902 S ANN DR MARSHALL, MO 65340 | AFLAC INCORPORATED | $13 | — | $13 | 0.02% |
| RANDALL INSURANCE GROUP INC3 Filed as: RANDALL BARLEIN | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC INCORPORATED | $13 | — | $13 | 0.02% |
| DANIEL H GRIFFIN3 Filed as: DANIEL GRIFFIN | 104 BURGUNDY COURT MARTINEZ, CA 94553 | AFLAC INCORPORATED | $12 | — | $12 | 0.02% |
| JESSICA CALVO3 | PO BOX 85183 HALLANDLE BEACH, FL 33008 | AFLAC INCORPORATED | $12 | — | $12 | 0.02% |
| LINDA J MAYBERRY3 Filed as: LINDA MAYBERRY | 8450 W FARM ROAD 160 REPUBLIC, MO 65738 | AFLAC INCORPORATED | $10 | — | $10 | 0.01% |
| MARCO A ERAZO3 Filed as: MARCO ERAZO | 4160 SW 152ND VE MIRAMAR, FL 33027 | AFLAC INCORPORATED | $9 | — | $9 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 920 MAIN ST SUITE 2100 KANSAS CITY, MO 64105 | AFLAC INCORPORATED | $8 | — | $8 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC INCORPORATED | $7 | — | $7 | 0.01% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2851 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC INCORPORATED | $7 | — | $7 | 0.01% |
| JONATHAN PAYNE3 | 3572 SHADOWTREE LN CHICO, CA 95928 | AFLAC INCORPORATED | $6 | — | $6 | 0.01% |
| ALFRED RIETKERK3 Filed as: ALFRED REITKERK | 3120 NE 47T ST FORT LAUDERDALE, FL 33308 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| MICHAEL RHODD3 Filed as: MICHAEL ROOD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC INCORPORATED | $3 | — | $3 | 0.00% |
| MINDY SKIDMORE LLC3 | 96 W CHURCH ST SMITHVILLE, MO 64089 | AFLAC INCORPORATED | $3 | — | $3 | 0.00% |
| JONATHAN KIRKLAND3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 13826 CHRISTIAN BARRETT DR MOORPARK, CA 93021 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAT CUR JUPITER, FL 33458 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| LAUREL NICOLE HARMS3 Filed as: LAUREL HARMS | 785 TURRINI DR DANVILLE, CO 94526 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| RYAN WESNER3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $0 | — | $0 | 0.00% |
| EDWARD M RYSKA3 Filed as: EDWARD RYSKA | 6010 ROBLAR PETALUMA, CA 94952 | 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 | 3.36% |
| 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 | $1K | $7K | 12.37% |
| 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 | $283 | $1K | 12.42% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 748 | $4.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 748 | $4.1M |
| Vision | VISION SERVICE PLAN | 738 | $60K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 286 | $117K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 286 | $53K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 286 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.