| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 5.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $575 | — | $575 | 0.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $609 | — | $609 | 1.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $489 | — | $489 | 1.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $237 | — | $237 | 0.94% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DR CHARLOTTE, NC 28210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 32.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SO. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69 | — | $69 | 1.15% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DRIVE CHARLOTTE, NC 28210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $223 | — | $223 | 14.99% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 370 | $174K |
| Vision | AETNA LIFE INSURANCE COMPANY | 370 | $174K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $42K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $43K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 254 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
No prospect flags tripped on this filing.