| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $79K | $46K | $125K | 3.01% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | — | $161 | $161 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | $440 | $2K | 5.11% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $1K | $310 | $2K | 5.18% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $1K | $290 | $2K | 5.17% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST, STE 700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 16.09% |
| DAVID L EVANS3 | PO BOX 860574 SHAWNEE, KS 66286 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 16.09% |
| DAVID L EVANS3 | PO BOX 860574 SHAWNEE, KS 66286 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $418 | — | $418 | 2.92% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST, STE. 700 MINNEAPOLIS, MN 55402 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $268 | — | $268 | 1.87% |
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 | 587 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 598 | $4.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 598 | $4.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 465 | $30K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 587 | $59K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $30K |
| Long-term disability | STANDARD INSURANCE COMPANY | 103 | $31K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 598 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.