| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.24% |
| VARIOUS3 | — | AFLAC | $9K | $218 | $9K | 9.97% |
| JODY HIPP3 | PO BOX 1587 HAYS, KS 67601 | AFLAC | $5K | $80 | $5K | 5.40% |
| CRAIG ALLEN HENRY PFAFF3 Filed as: CRAIG ALLEN PFAFF | 9672 ELIMIRA CIRCLE SACREMENTO, CA 95827 | AFLAC | $2K | $29 | $2K | 2.11% |
| DONALE E. WILSON3 | 3957 WEYBRIDGE WAY ANTELOPE, CA 95843 | AFLAC | $1K | — | $1K | 1.43% |
| MARTHA P BUESS3 | 2948 E RAY AVE SALINA, KS 67401 | AFLAC | $1K | $31 | $1K | 1.39% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $903 | $6K | 6.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 NONE | Claims processing Service code 12 | — | $134K |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP INSURANCE TRUST OF THE CALIFORNIA SOCIETY OF CPAS | 109 | $938K |
| Dental(2 contracts) | DELTA DENTAL | 170 | $0 |
| Vision | GROUP INSURANCE TRUST OF THE CALIFORNIA SOCIETY OF CPAS | 109 | $938K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 376 | $121K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 374 | $82K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 389 | $360K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 376 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.