| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | P O BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $5K | $8K | 7.41% |
| VARIOUS3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $9K | $424 | $9K | 8.15% |
| JODY HIPP3 Filed as: JODY K HIPP | PO BOX 1587 HAYS, KS 67601 | AFLAC | $6K | $231 | $6K | 5.62% |
| ROBERT BURNS FAUGHT JR3 | PO BOX 4566 TOPEKA, KS 66604 | AFLAC | $3K | $202 | $3K | 2.47% |
| MARTHA P BUESS3 | 2948 E RAY AVE SALINA, KS 67401 | AFLAC | $2K | $61 | $2K | 1.83% |
| CRAIG ALLEN HENRY PFAFF3 | 9672 ELMIRA CIR SACRAMENTO, CA 95827 | AFLAC | $1K | — | $1K | 1.09% |
| JAMES R FURMAN3 | 12175 HIGHWAY K31 HARVEYVILLE, KS 66431 | AFLAC | $854 | $71 | $925 | 0.84% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | P O BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 10.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | P O BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.39% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | P O BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $375 | $1K | 20.38% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 440 | $2.8M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF KANSAS | 440 | $2.8M |
| Vision | BLUE CROSS BLUE SHIELD OF KANSAS | 440 | $2.8M |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 365 | $157K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $118K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 357 | $81K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 440 | $2.8M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 365 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.