| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES 784898 | PO BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 9.27% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | PO BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $11K | — | $11K | 7.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | PO BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 4.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC KC | 80 SO 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF KANSAS, INC. | $7K | — | $7K | 7.54% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES - KANSAS CITY, MO | 1200 MAIN STREET, #2310 KANSAS CITY, MO 64105 | EYEMED VISION CARE | $5K | — | $5K | 11.49% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | PO BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $804 | — | $804 | 9.25% |
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 | 488 | 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) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS, INC. | 255 | $242K |
| Vision | EYEMED VISION CARE | 756 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 488 | $154K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 488 | $149K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 488 | $137K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 488 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 756 | — |
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.