| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $65K | $203K | $268K | 1.37% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 1125 17TH ST. SUITE 400 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $20K | $20K | 0.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
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 | 2,497 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 3,740 | $24.1M |
| Dental(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,538 | $1.7M |
| Vision | VISION SERVICE PLAN | 1,147 | $289K |
| Other(3 contracts, 2 carriers) | NEW DIRECTIONS BEHAVIORAL HEALTH | 1,670 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,740 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.