| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTHCARE | $1K | $4K | $5K | 0.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST, STE 2310 KANSAS CITY, MO 64105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 10.89% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC SOLUTIONS, LL | 1 BEACON ST STE 17100 BOSTON, MA 02108 | MUTUAL OF OMAHA | — | $9K | $9K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN INC | $131 | — | $131 | 0.09% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTHCARE | 363 | $803K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $215K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $215K |
| Life insurance | MUTUAL OF OMAHA | 306 | $174K |
| Short-term disability | MUTUAL OF OMAHA | 306 | $174K |
| Long-term disability | MUTUAL OF OMAHA | 306 | $174K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 21 | $172K |
| Other | MUTUAL OF OMAHA | 306 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.