| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANY OF KANSAS, LLC | 7340 W. 21ST SUITE 104 WICHITA, KS 67205 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $33K | — | $33K | 3.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 1.49% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE OF NORTH AMERICA | $7K | $860 | $8K | 16.83% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 41029 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $227 | — | $227 | 1.05% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 41029 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.38% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $142 | — | $142 | 1.24% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 238 | $952K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 270 | $178K |
| Life insurance | STANDARD INSURANCE COMPANY | 159 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 31 | $11K |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICA | 68 | $47K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 238 | $952K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
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.