| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $547 | $6K | 10.64% |
| AUSTIN HUGHES GAST3 | 2421 S CANYON ST WICHITA, KS 67235 | AFLAC | $950 | $13 | $963 | 11.04% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN, SUITE 501 WICHITA, KS 67202 | AFLAC | $180 | $3 | $183 | 2.10% |
| MICHAEL D CHRISMAN3 | 515 S MAIN, SUITE 501 WICHITA, KS 67202 | AFLAC | $105 | — | $105 | 1.20% |
| MARY E MINTON3 | 24230 W 61ST ST N ANDALE, KS 67001 | AFLAC | $70 | — | $70 | 0.80% |
| NICOLE A FLETCHER3 | 8815 W NANTUCKET ST WICHITA, KS 67212 | AFLAC | $23 | — | $23 | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | AFLAC | $11 | — | $11 | 0.13% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $10 | — | $10 | 0.11% |
| ROBERT L WINFREY3 | 11520 W NANTUCKET CIR WICHITA, KS 67212 | AFLAC | $2 | — | $2 | 0.02% |
| NATHAN HARRISON3 | 2 CITYPLACE DR STE 30 CREVE COEUR, MO 63141 | AFLAC | $1 | — | $1 | 0.01% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTOPHER THOMAS HIPP3 | 1601 MEADOW LN HAYS, KS 67601 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN A BACON3 | 30837 SPRING VALLEY RD PAOLA, KS 66071 | AFLAC | $1 | — | $1 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16 | $16 | — |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $56K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $56K |
| Short-term disability | AFLAC | 14 | $9K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.