| 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, MO 64105 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 4.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET #2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 17.51% |
| 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 | $1K | $7K | 17.83% |
| 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 | 10.00% |
| SCOTT W LUTY3 | 524 E 30TH ST HUTCHINSON, MO 64105 | AFLAC | $397 | — | $397 | 4.42% |
| MARC LUTHER HOMAN3 | 11828 W CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $104 | — | $104 | 1.16% |
| DENNIS A LEFEVRE3 | 6 BENTGRASS DR HESSTON, KS 67062 | AFLAC | $97 | — | $97 | 1.08% |
| MMA DISTRIBUTION3 Filed as: MMA DISTRIBUTION INC | PO BOX 483 GOSHEN, IN 46527 | AFLAC | $76 | — | $76 | 0.85% |
| MRS TROY E JOHNSTON3 | PO BOX 2303 SALINA, KS 67401 | AFLAC | $60 | — | $60 | 0.67% |
| NATHAN HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR STE 200 ELLISVILLE, MO 63011 | AFLAC | $53 | — | $53 | 0.59% |
| MRS TROY E JOHNSTON3 | PO BOX 2303 SALINA, KS 67402 | AFLAC | $35 | — | $35 | 0.39% |
| WENDY L HOMAN3 Filed as: WENDY HOMAN | 11828 W CENTRAL AVE STE 100 WICHITA, KS 67212 | AFLAC | $30 | — | $30 | 0.33% |
| ROBERT L WINFREY3 | 415 S GREENWOOD SUITE 2 WICHITA, KS 67212 | AFLAC | $30 | — | $30 | 0.33% |
| WILLINGHAM INC3 | 1502 N METCALF LOUISBURG, KS 66053 | AFLAC | $26 | — | $26 | 0.29% |
| BRAD SCHUMACHER3 | 718 MAIN ST STE 205 HAYS, KS 67601 | AFLAC | $20 | — | $20 | 0.22% |
| JENNIFER M WOFFORD3 Filed as: JENNIFER WOFFORD | 2231 S. UPLAND HILLS CT WICHITA, KS 67235 | AFLAC | $18 | — | $18 | 0.20% |
| JOHN G CATE3 Filed as: JOHN CATE | 4246 N SWEET BAY ST WICHITA, KS 67226 | AFLAC | $15 | — | $15 | 0.17% |
| COLE CONSULTANTS INC3 | 151 N ROCK ISLAND SUITE 3B WICHITA, KS 67202 | AFLAC | $15 | — | $15 | 0.17% |
| GARY GIARRATANO3 | 8612 SHADY BEND RD LENEXA, KS 66227 | AFLAC | $9 | — | $9 | 0.10% |
| GARY GIARRATANO3 | 13309 WEST 73RD STREET SHAWNEE, KS 66216 | AFLAC | $8 | — | $8 | 0.09% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 66127 | AFLAC | $5 | — | $5 | 0.06% |
| BRIAN MILLS3 | 1402 WEST LUCY WEBB ROAD RAYMORE, MO 64083 | AFLAC | $4 | — | $4 | 0.04% |
| KENNETH D MORRIS JR3 | 5410 PLYMOUTH DRIVE LAWRENCE, KS 66049 | AFLAC | $3 | — | $3 | 0.03% |
| JONI S WOBORNY BUNKER3 | 1837 VIRGINIA DRIVE MANHATTAN, KS 66502 | AFLAC | $3 | — | $3 | 0.03% |
| TERRY S DECKER3 | RT 2 BOX 22 TURPIN, OK 73950 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN A BACON3 | 1025 DURHAM GARDEN COURT O FALLON, MO 63368 | AFLAC | $2 | — | $2 | 0.02% |
| JOHN A BACON3 | 1267 LEIGHTON HOLLOW DRIVE DARDENNE PRAIRIE, MO 63368 | AFLAC | $1 | — | $1 | 0.01% |
| CHIRSTOPHER COSTELLO3 | 1731 N WESTFIELD ST WICHITA, KS 67212 | AFLAC | $0 | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY LLC | 920 MAIN STE 2100 KANSAS CITY, MO 64105 | SURENCY | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 1200 MAIN STREET #2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $411 | $76 | $487 | 17.78% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 302 | $1.5M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 274 | $94K |
| Vision(2 contracts, 2 carriers) | VISION CARE DIRECT OF KS/VCP SERVICES DBA VISION CARE DIRECT | 177 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 286 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 302 | $1.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 66 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.