| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - WICHITA | 7570 W. 21ST BLDG 1038-A WICHITA, KS 67205 | TELADOC HEALTH | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 42.74% |
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 | 203 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 97 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $9K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.