| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - WICHITA | 7570 W. 21ST STREET BLDG 1038-A WICHITA, KS 67205 | DELTA DENTAL OF KANSAS | $3K | — | $3K | 6.44% |
| HAYS COMPANIES, INC.3 | 800 S. 8TH ST #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 800 S. 8TH ST #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $198 | $198 | 1.01% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 800 S. 8TH ST #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $156 | $156 | 1.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - WICHITA | 7570 W. 21ST STREET BLDG 1038-A WICHITA, KS 67205 | SURENCY LIFE AND HEALTH | $1K | — | $1K | 10.00% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $133 | $133 | 1.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.78% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS | 211 | $53K |
| Vision | SURENCY LIFE AND HEALTH | 174 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 82 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY | 82 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 82 | $13K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 108 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.