| 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 | BLUECROSS BLUESHIELD OF KANSAS | $77K | — | $77K | 1.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY OVERLAND PARK, KS 66210 | BLUECROSS BLUESHIELD OF KANSAS | $15K | — | $15K | 0.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 7570 W 21ST SUITE 1038-A WICHITA, KS 67205 | DELTA DENTAL OF KANSAS, INC. | $11K | — | $11K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $3K | 2.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS INC | $6K | — | $6K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KC LLC | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $730 | $2K | $3K | 3.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 16.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BLVD STE 400 KANSAS CITY, MO 64108 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $491 | $4K | 5.42% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $421 | $24 | $445 | 0.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY SUITE 195 OVERLAND PARK, KS 66210 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.96% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY OVERLAND PARK, KS 62210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $556 | $2K | 3.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $97 | $1K | 9.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY OVERLAND PARK, KS 62210 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $128 | $57 | $185 | 1.36% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $175 | — | $175 | 3.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9200 INDIAN CREEK PARKWAY OVERLAND PARK, KS 66210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56 | $45 | $101 | 2.19% |
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 | 789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF KANSAS | 971 | $4.9M |
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 436 | $328K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 470 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 789 | $120K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 617 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 369 | $56K |
| Prescription drug | BLUECROSS BLUESHIELD OF KANSAS | 971 | $4.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 789 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.