| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY | PO BOX 410249 KANSAS CITY, MO 64141 | AETNA LIFE INSURANCE CO. | $31K | — | $31K | 3.95% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 80 S 8TH ST MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $4K | — | $4K | 6.36% |
| 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 | $3K | — | $3K | 16.59% |
| PETRICH BENEFIT PLAN SERVICES, INC.3 Filed as: PETRICH BENEFIT PLAN SERVICES | 345 N. RIVERVIEW SUITE 600 WICHTIA, KS 64105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $487 | — | $487 | 2.51% |
| MEDOVA HEALTHCARE3 Filed as: MEDOVA HEALTHCARE FINL GRP LLC | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | — | $359 | 1.85% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | 7570 W 21ST BLDG 1038-A WICHITA, KS 67205 | VISION SERVICE PLAN | $2K | — | $2K | 9.95% |
| 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 | 7570 W 21ST #1038A WICHITA, KS 67205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $149 | — | $149 | 1.21% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 7570 W. 21ST STREET N. #1038A WICHITA, KS 67205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JAMES R PETRICH3 | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $458 | — | $458 | 8.21% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 7570 W 21ST STREET N WICHITA, KS 67205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24 | — | $24 | 0.43% |
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 | 189 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 160 | $796K |
| Dental | DELTA DENTAL OF KANSAS, INC. | 117 | $60K |
| Vision | VISION SERVICE PLAN | 97 | $17K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $12K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 181 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.