| 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 | $6K | — | $6K | 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 | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 10.06% |
| 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 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: HAYS COMPANIES | 7570 W 21ST ST N, STE A, BLDG 1038 WICHITA, KS 67205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $58 | $1K | 15.76% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $723 | $59 | $782 | 16.24% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 128 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $20K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE STOP LOSS UNITED HEALTH | 147 | $288K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.