| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY LLC | 920 MAIN STE 2100 KANSAS CITY, MO 64105 | BLUE CROSS BLUE SHIELD OF KANSAS | $29K | — | $29K | 2.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 5.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET #2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.96% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET #2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY, LLC | 920 MAIN STREET STE 2100 KANSAS CITY, MO 64105 | VISION CARE DIRECT OF KS/VCP SERVICES DBA VISION CARE DIRECT | $2K | — | $2K | 12.00% |
| SCOTT W LUTY3 | 524 E 30TH ST HUTCHINSON, KS 67502 | AFLAC | $462 | — | $462 | 4.51% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $121 | — | $121 | 1.18% |
| DENNIS A LEFEVRE3 | 6 BENTGRASS DR HESSTON, KS 67062 | AFLAC | $111 | — | $111 | 1.08% |
| MRS TROY E JOHNSTON3 | PO BOX 2303 SALINA, KS 67402 | AFLAC | $105 | — | $105 | 1.03% |
| MMA DISTRIBUTION3 Filed as: MMA DISTRIBUTION INC | PO BOX 483 GOSHEN, IN 46527 | AFLAC | $83 | — | $83 | 0.81% |
| NATHAN HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR STE 200 ELLISVILLE, MO 63011 | AFLAC | $60 | — | $60 | 0.59% |
| ROBERT L WINFREY3 | 415 S GREENWOOD SUITE 2 WICHITA, KS 67211 | AFLAC | $33 | — | $33 | 0.32% |
| WENDY L HOMAN3 Filed as: WENDY HOMAN | 11282 W. CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $32 | — | $32 | 0.31% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $31 | — | $31 | 0.30% |
| WENDY L HOMAN3 Filed as: WENDY HOMAN | 11828 W CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $31 | — | $31 | 0.30% |
| JOHN G CATE3 Filed as: JOHN CATE | 4246 N SWEET BAY ST WICHITA, KS 67226 | AFLAC | $22 | — | $22 | 0.21% |
| BRAD SCHUMACHER3 | 718 MAIN ST STE 205 HAYS, KS 67601 | AFLAC | $21 | — | $21 | 0.21% |
| JENNIFER M WOFFORD3 Filed as: JENNIFER WOFFORD | 2231 S. UPLAND HILLS CT WICHITA, KS 67235 | AFLAC | $19 | — | $19 | 0.19% |
| GARY GIARRATANO3 | 8612 SHADY BEND RD LENEXA, KS 66227 | AFLAC | $19 | — | $19 | 0.19% |
| COLE CONSULTANTS INC3 | 151 N ROCK ISLAND SUITE 3B WICHITA, KS 67202 | AFLAC | $16 | — | $16 | 0.16% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | AFLAC | $5 | — | $5 | 0.05% |
| BRIAN MILLS3 | 1116 REMINGTON PLZ STE A RAYMORE, MO 64083 | AFLAC | $2 | — | $2 | 0.02% |
| KENNETH D MORRIS JR3 Filed as: KENNETH D MORRIS JR. | 5410 PLYMOUTH DR. LAWRENCE, KS 66049 | AFLAC | $2 | — | $2 | 0.02% |
| JONI S WOBORNY BUNKER3 | 1837 VIRGINIA DRI. LAWRENCE, KS 66502 | AFLAC | $1 | — | $1 | 0.01% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVE DARDENNE PRAIRIE, MO 63368 | AFLAC | $1 | — | $1 | 0.01% |
| TERRY S DECKER3 | RT 2 BOX 22 TURPIN, OK 73950 | AFLAC | $1 | — | $1 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET #2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $416 | — | $416 | 15.01% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 303 | $1.5M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 181 | $91K |
| Vision | VISION CARE DIRECT OF KS/VCP SERVICES DBA VISION CARE DIRECT | 180 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 301 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 284 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 303 | $1.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 301 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.