| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES,INC | 80 S. 8TH ST STE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $86K | $45K | $131K | 1.82% |
| 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 | $16K | — | $16K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 3.01% |
| 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 | $7K | — | $7K | 10.00% |
| SUSAN L MASCARO3 | 4267 WORDSWORTH WAY VENICE, FL 34293 | AFLAC INCORPORATED | $4K | — | $4K | 6.34% |
| K GRAMLICH INC3 | 2301 BURLINGTON ST STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC INCORPORATED | $819 | — | $819 | 1.27% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH, INC | 2301 BURLINGTON STE 200 NORTH KANSAS CITY, MO 64116 | AFLAC INCORPORATED | $611 | — | $611 | 0.95% |
| DENISE R MUSTOE3 | 2301 BURLINGTON ST SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC INCORPORATED | $433 | — | $433 | 0.67% |
| TARA M JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC INCORPORATED | $265 | — | $265 | 0.41% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $218 | — | $218 | 0.34% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, NC 28314 | AFLAC INCORPORATED | $155 | — | $155 | 0.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: JOHN MERCER | 7514 S. SWOOPE ST TAMPA, FL 33616 | AFLAC INCORPORATED | $148 | — | $148 | 0.23% |
| THE LUTHER GROUP LLC3 | 6620 NW DEARING DR LIBERTY, MO 64068 | AFLAC INCORPORATED | $130 | — | $130 | 0.20% |
| JERRY LEE BROCKMAN3 Filed as: JERRY BROCKMAN | 5804 LEATHERBROOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $120 | — | $120 | 0.19% |
| KRISTY GRAMLICH INC3 Filed as: KRISTY GRAMLICH | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC INCORPORATED | $118 | — | $118 | 0.18% |
| DAVID PRATHER3 | 448 WASHINGTON ST STE A CHILLICOTHE, MO 64601 | AFLAC INCORPORATED | $107 | — | $107 | 0.17% |
| JANEANE E BROCKMAN3 Filed as: JANEANE BROCKMAN | 5804 LEATHERBOOK DR COLUMBIA, MO 65203 | AFLAC INCORPORATED | $69 | — | $69 | 0.11% |
| KERRY PARSONS3 Filed as: KERRY PICKARD | 8534 N OVERLAND DR KANSAS CITY, MO 64154 | AFLAC INCORPORATED | $62 | — | $62 | 0.10% |
| CONSTANCE I LAGER3 Filed as: CONSTANCE LAGER | 5109 NE 55TH TERRACE KANSAS CITY, MO 64119 | AFLAC INCORPORATED | $52 | — | $52 | 0.08% |
| JOHN TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC INCORPORATED | $52 | — | $52 | 0.08% |
| AMY ZIMMERMAN3 | 200 BROOKWOOD ST LANSING, MI 66043 | AFLAC INCORPORATED | $44 | — | $44 | 0.07% |
| STEPHANIE CONNOR3 | 5309 NW 87TH CT KANSAS CITY, MO 64154 | AFLAC INCORPORATED | $43 | — | $43 | 0.07% |
| DAWN CIERPIOT3 | 10916 N WALLACE AVE KANSAS CITY, MO 64157 | AFLAC INCORPORATED | $40 | — | $40 | 0.06% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC INCORPORATED | $34 | — | $34 | 0.05% |
| JESSICA CALVO3 | PO BOX 85183 HALLANDALE BEACH, FL 33008 | AFLAC INCORPORATED | $29 | — | $29 | 0.04% |
| ERIN L KIRKLAND3 Filed as: ERIN KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC INCORPORATED | $25 | — | $25 | 0.04% |
| MICHAEL SHANE KIRKLAND3 Filed as: MICHAEL KIRKLAND | 137 PLANTATION DR KILLEN, AL 35645 | AFLAC INCORPORATED | $25 | — | $25 | 0.04% |
| CARL MASCARO3 | 18206 KRISTI RD W LIBERTY, MO 64068 | AFLAC INCORPORATED | $25 | — | $25 | 0.04% |
| JENNIFER SMITH3 | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC INCORPORATED | $23 | — | $23 | 0.04% |
| MICHAEL HOWARD WEEKS3 Filed as: MICHAEL WEEKS | 160 ELLIOTT RD AYDLETT, NC 27916 | AFLAC INCORPORATED | $20 | — | $20 | 0.03% |
| JANET RIGSBY3 | 801 MELANAE CT LIBERTY, MO 64068 | AFLAC INCORPORATED | $19 | — | $19 | 0.03% |
| RICHARDO SORIANO3 | 2044 ASHLEY OAKS CIR STE 102 WESLEY CHAPEL, FL 33544 | AFLAC INCORPORATED | $16 | — | $16 | 0.02% |
| FRANCO CALVO3 | PO BOX 85183 HALLANDALE BEACH, FL 33008 | AFLAC INCORPORATED | $15 | — | $15 | 0.02% |
| RANDALL INSURANCE GROUP INC3 Filed as: RANDALL BARLEIN | 22465 PANTHER LOOP BRADENTON, FL 34202 | AFLAC INCORPORATED | $14 | — | $14 | 0.02% |
| WESNER ENTERPRISES LLC3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $11 | — | $11 | 0.02% |
| DONNA BAILEY3 | 902 S ANN DR MARSHALL, MO 65340 | AFLAC INCORPORATED | $11 | — | $11 | 0.02% |
| LINDA J MAYBERRY3 Filed as: LINDA MAYBERRY | 8450 W FARM ROAD 160 REPUBLIC, MO 65738 | AFLAC INCORPORATED | $11 | — | $11 | 0.02% |
| DAVID H SEVON3 | 7651 W CARL AVE SPRINGFIELD, MO 65802 | AFLAC INCORPORATED | $10 | — | $10 | 0.02% |
| MARCO A ERAZO3 Filed as: MARCO ERAZO | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC INCORPORATED | $10 | — | $10 | 0.02% |
| JEREMY FRYE3 | 1508 N CHURCH RD STE B LIBERTY, MO 64118 | AFLAC INCORPORATED | $8 | — | $8 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | AFLAC INCORPORATED | $7 | — | $7 | 0.01% |
| JOANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| JAMES A SMAARDYK3 Filed as: JAMES SMAARDYK | 2851 CEDAR HILLS LANE TWIN LAKE, MI 49457 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| ALFRED RIETKERK3 Filed as: ALFRED REITKERK | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC INCORPORATED | $4 | — | $4 | 0.01% |
| JONATHAN KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| JUAN C FERLINI3 Filed as: JUAN FERLINI | 2984 SUNSET SMT NEW BRAUNFELS, TX 78130 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 Filed as: FRANK SOBOCINSKI | 528 SWEET BAY CIR JUPITER, FL 33458 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| RYAN WESNER3 | 1508 N CHURCH RD STE B LIBERTY, MO 64068 | AFLAC INCORPORATED | $1 | — | $1 | 0.00% |
| 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 | $2K | — | $2K | 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 | 401 | 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) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 903 | $7.2M |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 903 | $7.2M |
| Vision | VISION SERVICE PLAN | 381 | $79K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 401 | $159K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 401 | $67K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 401 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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.