| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC DBA HAYSCOMPANIES | IDS CENTER STE 700 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $119K | $19K | $138K | 23.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC DBA HAYSCOMPANIES | IDS CENTER STE 700 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | SYMETRA LIFE INSURANCE COMPANY | — | $16K | $16K | 4.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN HEALTH NETWORK EIN 35-2108729 SERVICE PROVIDER | Direct payment from the plan Service code 50 | 10689 N PENNSYLVANIA AVE SUITE 200 INDIANAPOLIS, IN 46280 | $772K |
| CIGNA EIN 59-1031071 SERVICE PROVIDER | Insurance services Service code 23 | PO BOX 645014 CINCINNATI, OH 45264 | $95K |
| MEDWATCH CASE MANAGEMENT EIN 59-2884658 CONSULTANT | Consulting (general) Service code 16 | 120 INTERNATIONAL PARKWAY SUITE 22 LAKE MARY, FL 32746 | $78K |
| GROUP ADMINISTRATORS, LTD. EIN 36-3381052 SERVICE PROVIDER | Claims processing Service code 12 | 915 NATIONAL PARKWAY SUITE F SCHAUMBURG, IL 60173 | $64K |
| CROWN POINT MANAGEMENT CONSULTANTS EIN 35-1710050 CONSULTANT | Consulting (general) Service code 16 | 412 SOUTH PENDLETON AVE PENDLETON, IN 46064 | $51K |
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 | 670 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 336 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 336 | $1.5M |
| Vision | BLUE CROSS BLUE SHIELD OF ALABAMA | 336 | $1.5M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 707 | $593K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 707 | $593K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 336 | $1.5M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 544 | $321K |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 336 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.