| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | P.O. BOX 410249 1200 MAIN ST., #2310 KANSAS CITY, MO 641410249 | DELTA DENTAL OF KANSAS, INC. | $1K | — | $1K | 2.76% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | P.O. BOX 410249 1200 MAIN, #2310 KANSAS CITY, MO 641410249 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 9.64% |
| KEITH OLBERDING, INC3 Filed as: KEITH C. OLBERDING | 323 MAIN ST. SENECA, KS 66538 | AMERICAN HERITAGE LIFE INSURANCE CO. | $2K | — | $2K | 14.25% |
| ALLAN SPIEHS3 | 2840 SOUTH 70TH SUITE 7-331 LINCOLN, NE 68506 | AMERICAN HERITAGE LIFE INSURANCE CO. | $116 | — | $116 | 1.00% |
| RHONDA S PAPE3 Filed as: RHONDA PAPE | 115 E. PLATT ST. MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE CO. | $43 | — | $43 | 0.37% |
| ALAN PAPE3 Filed as: ALAN PAGE | 115 E. PLATT ST. MAQUOKETA, IA 52060 | AMERICAN HERITAGE LIFE INSURANCE CO. | $14 | — | $14 | 0.12% |
| KEITH OLBERDING, INC3 Filed as: KEITH OLBERDING, INC. | 323 MAIN ST. SENECA, KS 66538 | KANSAS CITY LIFE INSURANCE CO. | $1K | — | $1K | 12.12% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 426 | $1.6M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 118 | $53K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 66 | $14K |
| Short-term disability | KANSAS CITY LIFE INSURANCE CO. | 13 | $9K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 426 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.