| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | CIGNA GROUP INSURANCE | $5K | — | $5K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.97% |
| HARRINGTON BENEFIT SERVICES, INC.3 Filed as: HARRINGTON BENEFIT SVCS INC | 780 BROOKSEDGE PLAZA DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $970 | — | $970 | 6.38% |
| RIDGE CONSULTING GROUP INC3 Filed as: RIDGE CONSULTING GROUP, INC. | PO BOX 9488 WICHITA, KS 67277 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $228 | — | $228 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $860 | — | $860 | 6.56% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 208 | $811K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 101 | $71K |
| Vision | VISION SERVICE PLAN | 83 | $13K |
| Life insurance | CIGNA GROUP INSURANCE | 203 | $33K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 70 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $8K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 208 | $811K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 47 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.