| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | AVERA HEALTH PLAN | $39K | — | $39K | 2.72% |
| HAYS COMPANIES, INC.3 Filed as: JAMES HAYS, HAYS COMPANIES OF MN | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF SOUTH DAKOTA | $2K | — | $2K | 1.87% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF MN | 80 S. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF SD | $1K | — | $1K | 2.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 9.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 S. 8TH STREET STE. 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $41 | $4K | 30.40% |
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 | 387 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVERA HEALTH PLAN | 323 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF SOUTH DAKOTA | 278 | $143K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 299 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 387 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 275 | $26K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 387 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.