| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $800 | $800 | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | — | $1.0M |
| THE HAYS GROUP, INC. EIN 41-1784898 NONE | Consulting fees; Insurance agents and brokers; Insurance services Service code 22 | — | $90K |
| DENISE BOWMAN NONE | Employee (plan) Service code 30 | 250 SOUTH 22ND AVENUE BRIGHTON, CO 80601 | $85K |
| WEB BENEFITS DESIGN CORP WEB DESIGN | Other services Service code 49 | 472 WEST SAND LAKE ROAD ORLANDO, FL 32819 | $84K |
| TIFFANY HERRON NONE | Employee (plan) Service code 30 | 8343 UNION COURT ARVADA, CO 80005 | $81K |
| MICHELL THOMPSON NONE | Employee (plan) Service code 30 | 13925 WEST 65TH AVENUE ARVADA, CO 80004 | $66K |
| CONSOVA NONE | Consulting fees; Other fees Service code 70 | 1667 COLE BOULEVARD LAKEWOOD, CO 80401 | $25K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $19K |
| SUNLIFE ASSURANCE CO. OF CANADA EIN 38-1082080 NONE | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $18K |
| AETNA BEHAVIORAL HEALTH, LLC NONE | Claims processing; Contract Administrator Service code 12 | 515 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $15K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | — | $13K |
| RETIREMENT PLANNING SERVICES, INC. EIN 84-1096179 NONE | Claims processing; Contract Administrator Service code 12 | — | $12K |
| TOWERS WATSON DELAWARE LLC NONE | Consulting (general) Service code 16 | 901 NORTH GLEBE ROAD ARLINGTON, VA 22203 | $9K |
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 | 995 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,006 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,017 | $179K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,195 | $518K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,195 | $518K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,418 | $1.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,195 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,418 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.