| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 80 S 8TH ST MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 7.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GRP OF KANSAS CITY LLC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.53% |
| MEDOVA HEALTHCARE3 Filed as: MEDOVA HEALTHCARE FINL GRP LLC | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.72% |
| HARRINGTON HEALTH3 Filed as: HARRINGTON BENEFIT SVCS INC | 780 BROOKSEDGE PLAZA DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.06% |
| JAMES R PETRICH3 | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 7570 W 21ST STREET N WICHITA, KS 67205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $131 | — | $131 | 0.80% |
| JSMES R PETRICH3 | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.79% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 7340 W 21ST STE 104 WICHITA, KS 67205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $149 | — | $149 | 1.21% |
| JAMES R PETRICH3 | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.88% |
| HAYS COMPANIES, INC.5 Filed as: THE HAYS COMPANIES | 7570 W 21ST STREET N WICHITA, KS 67205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $100 | — | $100 | 1.13% |
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 | 188 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 112 | $57K |
| Vision | VISION SERVICE PLAN | 114 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $12K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 179 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.