| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC - WICHITA | 7570 W. 21ST BLDG 1038-A WICHITA, KS 67205 | DELTA DENTAL OF KANSAS, INC. | $11K | — | $11K | 6.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $317 | $5K | 9.70% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES INC - WICHITA | 7570 W 21ST ST N, STE A, BLDG 1038 WICHITA, KS 67205 | SURENCY LIFE AND HEALTH | $3K | — | $3K | 9.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $735 | — | $735 | 11.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $571 | — | $571 | 19.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 410249 KANSAS CITY, MO 64141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $215 | — | $215 | 19.98% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 219 | $171K |
| Vision | SURENCY LIFE AND HEALTH | 150 | $33K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $32K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $64K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $49K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.