| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $29K | — | $29K | 6.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $29K | $14K | $43K | 21.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $22K | $11K | $32K | 22.35% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $18K | $10K | $28K | 22.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $17K | $7K | $24K | 21.53% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE ST 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $3K | — | $3K | 4.07% |
| B & C AGENCY INC4 | 7867 SE 197TH TER LATHAM, KS 67072 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $17K | — | $17K | 30.21% |
| MILES HARVEY4 | 2774 SE 12TH EL DORADO, KS 67042 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $2K | — | $2K | 2.92% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN INSURANCE | 7570 W 21ST WICHITA, KS 67205 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $1K | — | $1K | 1.84% |
| MEGAN R JONES4 | 16261 SE COLE CREEK RD LEON, KS 67074 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $99 | — | $99 | 0.18% |
| EDDIE COBBINAH4 | 2408 RIDGE WAY FORT LEE, NJ 07024 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $47 | — | $47 | 0.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, KS 64105 | TELADOC | $3K | — | $3K | 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 | 612 | 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) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 525 | $445K |
| Vision | VISION SERVICE PLAN | 524 | $83K |
| Life insurance | STANDARD INSURANCE COMPANY | 612 | $202K |
| Short-term disability | STANDARD INSURANCE COMPANY | 612 | $121K |
| Long-term disability | STANDARD INSURANCE COMPANY | 612 | $145K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 408 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.