| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 920 MAIN ST, SUITE 2100 KANSAS CITY, MO 64105 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $21K | — | $21K | 2.84% |
| INTERHAB3 Filed as: INTERHAB INC | 700 SW JACKSON STE 803 TOPEKA, KS 66603 | DELTA DENTAL OF KANSAS, INC | $2K | — | $2K | 3.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $405 | — | $405 | 2.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 641410249 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $230 | — | $230 | 2.01% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 122 | $738K |
| Dental | DELTA DENTAL OF KANSAS, INC | 138 | $52K |
| Life insurance | STANDARD INSURANCE COMPANY | 190 | $20K |
| Short-term disability | STANDARD INSURANCE COMPANY | 190 | $11K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 122 | $738K |
| Other | STANDARD INSURANCE COMPANY | 190 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.