| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF KANSAS | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $31K | — | $31K | 2.35% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $6K | — | $6K | 7.36% |
| 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 | — | $7K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | $808 | $3K | 11.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 800 S 8TH ST. #700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $647 | $647 | 3.12% |
| 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 | $1K | — | $1K | 9.99% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 148 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 221 | $1.3M |
| Dental | DELTA DENTAL OF KANSAS, INC. | 115 | $79K |
| Vision | SURENCY LIFE AND HEALTH | 49 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 148 | $26K |
| Short-term disability | STANDARD INSURANCE COMPANY | 44 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $48K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 221 | $1.3M |
| Other | STANDARD INSURANCE COMPANY | 148 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.