| 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 | $2K | $6K | 4.87% |
| VARIOUS2 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $7K | $156 | $7K | 6.11% |
| JODY HIPP3 Filed as: JODY K HIPP | PO BOX 1587 HAYS, KS 67601 | AFLAC | $5K | $63 | $5K | 4.66% |
| MARTHA P BUESS3 | 2948 E RAY AVE SALINA, KS 67401 | AFLAC | $2K | $20 | $2K | 1.46% |
| NORMAN LANE3 | 945 PLATEAU PKWY NASHVILLE, TN 37205 | AFLAC | $2K | — | $2K | 1.44% |
| CRAIG ALLEN HENRY PFAFF3 | 9672 ELMIRA CIR SACRAMENTO, CA 95827 | AFLAC | $1K | $27 | $1K | 0.95% |
| BRADLEY A MANGUS3 | 943 N HILLS DR CAPE GIRARDEAU, MO 63701 | AFLAC | $742 | $38 | $780 | 0.71% |
| ROBERT BURNS FAUGHT JR3 | PO BOX 4566 TOPEKA, KS 66604 | AFLAC | $738 | — | $738 | 0.67% |
| ANTHONY ELDEE CONNER3 | 1001 1/2 STATE ST PHILLIPSBURG, KS 67661 | AFLAC | $520 | $7 | $527 | 0.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | P O BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | P O BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $918 | $9K | 16.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 10333 E 21ST ST NORTH WICHITA, KS 67206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HAYS COMPANIES, INC.4 Filed as: HAYS COMPANIES INC | P O BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $772 | $129 | $901 | 17.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 NONE | Claims processing Service code 12 | — | $268K |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL | 223 | $0 |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 458 | $186K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 82 | $130K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 415 | $99K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 576 | $727K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 458 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.