| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS CO. OF KANSAS CITY, LLC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $42K | $0 | $42K | 2.03% |
| USI INSURANCE SERVICES LLC3 | 245 NORTH WACO, SUITE 412 WICHITA, KS 67202 | DELTA DENTAL OF KANSAS, INC. | $4K | $0 | $4K | 2.98% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS CO. OF KANSAS CITY, LLC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.87% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.13% |
| TERESA BURNETT3 | 1112 EAST JAMES STREET DERBY, KS 67037 | AFLAC | $3K | $33 | $3K | 16.96% |
| BRANDON M UNREIN3 Filed as: BRANDON M. UNREIN | 15275 SW INDIANOLA ROAD AUGUSTA, KS 67010 | AFLAC | $493 | $2 | $495 | 2.58% |
| CALEB GILMOUR3 Filed as: CALEB J. GILMOUR | 515 SOUTH MAIN STREET, SUITE 105 WICHITA, KS 67202 | AFLAC | $386 | $7 | $393 | 2.05% |
| JUSTIN C CARSON3 Filed as: JUSTIN C. CARSON AND OTHER AGENTS | 7701 EAST KELLOGG DRIVE, SUITE 680 WICHITA, KS 67207 | AFLAC | $381 | $5 | $386 | 2.01% |
| MARC LUTHER HOMAN3 | 11828 WEST CENTRAL AVENUE SUITE 100 WICHITA, KS 67212 | AFLAC | $110 | $0 | $110 | 0.57% |
| FBL INSURANCE BROKERAGE INC Filed as: FBL INSURANCE BROKERAGE, LLC | 2627 KFB PLAZA, SUITE G112 MANHATTAN, KS 66503 | AFLAC | $96 | $0 | $96 | 0.50% |
| ASHLE BURNETT | 1112 EAST JAMES STREET DERBY, KS 67037 | AFLAC | $91 | $0 | $91 | 0.47% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $814 | $176 | $990 | 11.24% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 395 | $2.1M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 171 | $132K |
| Vision | VCP SERVICES, INC. | 162 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 209 | $53K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $36K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 395 | $2.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 210 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.