| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY DBA | HAYS CO OF KANS PO BOX 410249 KANSAS CITY, MO 64141 | ADVANCE INSURANCE COMPANY OF KANSAS | $4K | — | $4K | 14.58% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES OF KANSAS CITY | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 9.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY | 1200 MAIN ST, SUITE #2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 64141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $949 | — | $949 | 16.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $200 | $200 | 3.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 64141 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $520 | — | $520 | 16.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.32% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 306 | $2.0M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 113 | $80K |
| Vision | SURENCY LIFE AND HEALTH | 92 | $16K |
| Life insurance(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 195 | $42K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 6 | $3K |
| Long-term disability(2 contracts, 2 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 195 | $42K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 306 | $2.0M |
| Other(3 contracts, 3 carriers) | ADVANCE INSURANCE COMPANY OF KANSAS | 195 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.