| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES - WICHITA | 7570 W 21ST N STE A, BLDG 1038 WICHITA, KS 67205 | DELTA DENTAL OF KANSAS INC | $5K | — | $5K | 6.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $118 | $4K | 12.38% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | RELIANCE STANDARD | $4K | $127 | $4K | 15.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES - WICHITA | 7570 W 21ST N SUITE A, BLDG 1038 WICHITA, KS 67205 | SURENCY LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $230 | $3K | 16.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $311 | $1K | 19.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $798 | $188 | $986 | 18.53% |
| B & C AGENCY INC4 Filed as: B&C AGENCY | 7867 SE 197TH TER LATHAM, KS 67072 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $425 | — | $425 | 12.44% |
| KEVIN D INGWERSON4 | 208 S PUTTER ANDOVER, KS 670028818 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $311 | — | $311 | 9.10% |
| HAYS COMPANIES, INC.4 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $97 | — | $97 | 2.84% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS INC | 96 | $78K |
| Vision | SURENCY LIFE AND HEALTH INSURANCE COMPANY | 64 | $17K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $54K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $16K |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.