| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 1200 NORTH MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | BLUE CROSS AND BLUE SHIELD OF KANSAS | $44K | $0 | $44K | 4.75% |
| HAYS COMPANIES, INC.3 | 7540 WEST 21ST STREET, BLDG 1038 SUITE A WICHITA, KS 67205 | DELTA DENTAL OF KANSAS | $4K | $0 | $4K | 4.99% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL LLC AND OTHER AGENTS | 777 OAKMONT LANE, SUITE 1400 WESTMONT, IL 60559 | AFLAC | $6K | $0 | $6K | 11.42% |
| BRIAN W PATTEN Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3K | $0 | $3K | 6.76% |
| RONALD W ANDERSON3 Filed as: RONALD W. ANDERSON | 612 WYANDOTTE STREET IRWIN, PA 15642 | AFLAC | $2K | $0 | $2K | 4.15% |
| KAYNE R LANAHAN3 Filed as: KAYNE R. LANAHAN | 8316 EPHRAIM ROAD AUSTIN, TX 78717 | AFLAC | $1K | $0 | $1K | 2.51% |
| MATTHEW MCCLAY3 | 1086 MANSFIELD AVENUE INDAINA, PA 15701 | AFLAC | $1K | $0 | $1K | 2.21% |
| JEREMY PLAISTED3 | 525 NORTH MAIN STREET BUTLER, PA 16001 | AFLAC | $1K | $0 | $1K | 2.02% |
| AMANDA BATES3 Filed as: AMANDA M. BATES | 578 HAZELWOOD AVENUE PITTSBURGH, PA 15207 | AFLAC | $1K | $0 | $1K | 2.00% |
| HAYS COMPANIES, INC.3 | 7570 WEST 21ST STREET, BLDG 1038 SUITE A WICHITA, KS 67205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.41% |
| PETRICH BENEFIT PLAN SERVICES, INC.3 | 345 NORTH RIVERVIEW, SUITE 600 WICHITA, KS 67203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.10% |
| HAYS COMPANIES, INC.3 | 7570 WEST 21ST, BLDG 1038 SUITE A WICHITA, KS 67205 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.07% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 261 | $936K |
| Dental | DELTA DENTAL OF KANSAS | 222 | $79K |
| Vision | VISION SERVICE PLAN | 139 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 325 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 325 | $38K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 261 | $936K |
| Other(2 contracts, 2 carriers) | AFLAC | 325 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.