| 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 | $4K | $484 | $4K | 9.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 7570 WEST 21ST STREET WICHITA, KS 67205 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 9.98% |
| AUSTIN HUGHES GAST3 | 2421 S CANYON ST WICHITA, KS 67235 | AFLAC | $249 | $26 | $275 | 3.34% |
| ENVIRON CONSULTING GROUP LLC3 Filed as: ENVIRON CONSULTING GROUP | 515 S MAIN ST WICHITA, KS 67212 | AFLAC | $168 | — | $168 | 2.04% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN, SUITE 501 WICHITA, KS 67202 | AFLAC | $146 | $6 | $152 | 1.85% |
| MICHAEL D CHRISMAN3 | 515 S MAIN, SUITE 501 WICHITA, KS 67202 | AFLAC | $99 | — | $99 | 1.20% |
| MARY E MINTON3 | 24230 W 61ST ST N ANDALE, KS 67001 | AFLAC | $66 | — | $66 | 0.80% |
| TANNER R KING3 Filed as: TANNER KING | 14820 E SIEFKES CT WICHITA, KS 67230 | AFLAC | $42 | — | $42 | 0.51% |
| CHARITY PARKER3 | 3343 N COOLIDGE WICHITA, KS 67204 | AFLAC | $42 | — | $42 | 0.51% |
| NICOLE A FLETCHER3 | 8815 W NANTUCKET ST WICHITA, KS 67212 | AFLAC | $22 | — | $22 | 0.27% |
| KATHY WIEDEMANN3 | 222 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $8 | — | $8 | 0.10% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | AFLAC | $2 | — | $2 | 0.02% |
| 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% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 81 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $45K |
| Short-term disability | AFLAC | 15 | $8K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.