| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $66K | — | $66K | 3.68% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF WICHITA | 7570 W 21ST ST N, STE A, BLDG 1038 WICHITA, KS 67205 | DELTA DENTAL OF KANSAS, INC. | $6K | — | $6K | 4.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 18.88% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.29% |
| HKG INSURANCE SOLUTIONS LLC5 Filed as: HKG INSURANCE | 1228 N 164TH ST OMAHA, NE 68118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.78% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | VCD SERVICES, INC. | $2K | — | $2K | 10.00% |
| TERESA BURNETT3 | 1112 E JAMES ST DERBY, KS 67037 | AFLAC | $2K | $31 | $2K | 9.25% |
| BRIAN M LEITZEL3 Filed as: BRIAN LEITZEL | 7920 W KELLOGG STE 102 WICHITA, KS 67209 | AFLAC | $175 | $7 | $182 | 0.94% |
| CALEB GILMOUR3 Filed as: CALEB J GILMOUR | 515 S MAIN ST., STE 105 WICHITA, KS 67202 | AFLAC | $133 | — | $133 | 0.69% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $101 | — | $101 | 0.52% |
| MARK ALAN BRYANT3 Filed as: MARK BRYANT | PO BOX 12902 WICHITA, KS 67277 | AFLAC | $94 | $4 | $98 | 0.51% |
| FBL INSURANCE BROKERAGE INC3 Filed as: FBL INSURANCE BROKERAGE LLC | 2627 KFB PLZ STE G112 MANHATTAN, KS 66503 | AFLAC | $88 | — | $88 | 0.45% |
| ASHLE BURNETT3 | 1112 E JAMES ST DERBY, KS 67037 | AFLAC | $83 | — | $83 | 0.43% |
| BRANDON UNREIN3 | 15275 SW INDIANOLA RD AUGUSTA, KS 67210 | AFLAC | $81 | — | $81 | 0.42% |
| WILLINGHAM INC3 Filed as: WILLINGHAM INC. | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $47 | — | $47 | 0.24% |
| JOHN E WETIG3 Filed as: JOHN WETTIG | 103 S ROUPP ST HESSTON, KS 67062 | AFLAC | $29 | — | $29 | 0.15% |
| JUSTIN C CARSON3 | 7701 E KELLOGG DR STE 680 WICHITA, KS 67207 | AFLAC | $25 | — | $25 | 0.13% |
| RUSTY J HELIN3 | 125 W 6TH ST COLBY, KS 67701 | AFLAC | $25 | — | $25 | 0.13% |
| SAMUEL A MCFALL3 | 609 N BROADWAY AVE. STE 200 WICHITA, KS 67214 | AFLAC | $24 | — | $24 | 0.12% |
| SPENCER STELLJES3 | 338 N QUENTIN ST WICHITA, KS 67206 | AFLAC | $21 | — | $21 | 0.11% |
| PATRICIA ZOELLER3 | PO BOX 181 KINGMAN, KS 67068 | AFLAC | $14 | — | $14 | 0.07% |
| KATHY WIEDEMANN3 | 220 HIGH VIEW DR BOULDER, CO 80304 | AFLAC | $13 | — | $13 | 0.07% |
| ALAN D HURT3 | PO BOX 277 MOUND CITY, KS 66056 | AFLAC | $13 | — | $13 | 0.07% |
| GARY WAYNE WILLINGHAM3 | 6033 STRAFFORD OAKS DR SEBRING, FL 33875 | AFLAC | $13 | — | $13 | 0.07% |
| NATHAN L HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR, STE 200 ELLISVILLE, MO 63011 | AFLAC | $11 | — | $11 | 0.06% |
| BOMAR DANIEL NOLES JR3 | 200 RIDGEWAY RD LA FAYETTE, GA 30728 | AFLAC | $4 | — | $4 | 0.02% |
| TERRY S DECKER3 | RR 2 BOX 22 TURPIN, OK 73950 | AFLAC | $3 | — | $3 | 0.02% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DR LAWRENCE, KS 66049 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN MILLS3 | 1402 W LUCY WEBB RD RAYMORE, MO 64083 | AFLAC | $1 | — | $1 | 0.01% |
| LYNN E MOLLER3 | 332 E 1ST ST N WICHITA, KS 67202 | AFLAC | $1 | — | $1 | 0.01% |
| JANICE ROBINSON3 | 22010 BRIDGESTONE HAWK CT SPRING, TX 77388 | AFLAC | $1 | — | $1 | 0.01% |
| JON KRAATZ3 | 118 SABINE ST PORTLAND, TX 78374 | AFLAC | $1 | — | $1 | 0.01% |
| SUE TUCKER3 | 9856 US HIGHWAY 29 CUSSETA, AL 36852 | AFLAC | $1 | — | $1 | 0.01% |
| HKG INSURANCE SOLUTIONS LLC5 Filed as: HKG INSURANCE | 1228 N 164TH ST OMAAHA, NE 68118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 10.02% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 347 | $1.8M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 167 | $138K |
| Vision | VCD SERVICES, INC. | 185 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $40K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 347 | $1.8M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.