| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 7340 W 21ST ST SUITE 104 WICHITA, KS 67205 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $36K | — | $36K | 2.78% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 4.58% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS CITY | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $764 | $7K | 16.73% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY | PO BOX 410249 STE. 700 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $437 | $437 | 1.69% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | — | $306 | $306 | 1.18% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.82% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $301 | $301 | 1.51% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | — | $210 | $210 | 1.05% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES - WICHITA | 7570 W 21ST ST N STE A BLDG 1038 WICHITA, KS 67205 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 9.98% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 250 | $1.3M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 135 | $87K |
| Vision | SURENCY LIFE AND HEALTH | 90 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 173 | $26K |
| Short-term disability | STANDARD INSURANCE COMPANY | 52 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 73 | $44K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 250 | $1.3M |
| Other | STANDARD INSURANCE COMPANY | 173 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.