| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 1200 MAIN STREET KANSAS CITY, MO 64105 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $36K | $35K | $71K | 2.45% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES -KC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 2.63% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 64141 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 8.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET IDS CENTER STE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.28% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES-KC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC | $596 | — | $596 | 2.77% |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 487 | $2.9M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 186 | $119K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 352 | $86K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 352 | $86K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 487 | $2.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 352 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.