| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44K | $11K | $55K | 6.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 1.83% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 0.17% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 SUITE 700 MINNEAPOLIS, MN 55402 | LEGAL RESOURCES | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | COMPANION LIFE INSURANCE | — | — | $0 | 0.00% |
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 | 2,056 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE | 13 | $1K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,323 | $694K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,042 | $126K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,056 | $868K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,056 | $868K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,056 | $868K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,056 | $904K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,323 | — |
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.