| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF MN | $43K | $7K | $51K | 2.59% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80TH SOUTH 8TH STREE SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 18.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80TH SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | $1K | $6K | 18.24% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80TH SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $506 | $3K | 18.19% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE CO | $2K | $406 | $2K | 18.14% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | SUITE 700 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE COMPANY | $866 | — | $866 | 11.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80TH SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $353 | $75 | $428 | 18.21% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MN | 475 | $2.0M |
| Vision | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE COMPANY | 210 | $8K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $55K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $16K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 262 | $33K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MN | 475 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.