| 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 | $70K | — | $70K | 4.36% |
| 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. | $3K | — | $3K | 2.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | VCD SERVICES, INC. | $3K | — | $3K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $98 | $2K | 15.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: THE BENEFITS HUB LLC | 2121 N GLENVILLE DR RICHARDSON, TX 75082 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 12.67% |
| B & C AGENCY INC4 | 7867 SE 197TH TER LATHAM, KS 67072 | PRE PAID LEGAL SERVICES INC DBA LEGALSHIELD | $495 | — | $495 | 8.88% |
| HAYS COMPANIES, INC.4 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | PRE PAID LEGAL SERVICES INC DBA LEGALSHIELD | $429 | — | $429 | 7.70% |
| MILES HARVEY3 | 2774 SE 12TH EL DORADO, KS 67042 | PRE PAID LEGAL SERVICES INC DBA LEGALSHIELD | $65 | — | $65 | 1.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: THE BENEFITS HUB LLC | 2121 N GLENVILLE DR RICHARDSON, TX 75082 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | — |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 351 | $1.6M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 159 | $142K |
| Vision | VCD SERVICES, INC. | 212 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $37K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 351 | $1.6M |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.