| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | 100 FRONT STREET SUITE 610 WORCESTER, MA 01608 | NATIONWIDE LIFE INSURANCE COMPANY | $24K | — | $24K | 7.00% |
| 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 | $50K | — | $50K | 20.00% |
| 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 | $30K | — | $30K | 20.00% |
| 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 | $19K | $6K | $25K | 26.84% |
| 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 | $9K | $5K | $14K | 31.88% |
| 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 | $740K |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 SERVICE PROVIDER | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $191K |
| ALLIED BENEFIT SYSTEMS EIN 36-3086057 SERVICE PROVIDER | Claims processing Service code 12 | 200 W ADAMS SUITE 500 CHICAGO, IL 60606 | $106K |
| HOSTCARE RESOURCES EIN 46-5299788 SERVICE PROVIDER | Other services Service code 49 | 120 8TH AVENUE NE DEMOTTE, IN 46310 | $102K |
| MEDWATCH CASE MANAGEMENT EIN 59-2884658 CONSULTANT | Consulting (general) Service code 16 | 120 INTERNATIONAL PARKWAY SUITE 22 LAKE MARY, FL 32746 | $73K |
| CROWN POINT MANAGEMENT CONSULTANTS EIN 35-1710050 CONSULTANT | Consulting (general) Service code 16 | 412 SOUTH PENDLETON AVE PENDLETON, IN 46064 | $31K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 SERVICE PROVIDER | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 4361 IRWIN SIMPSON RD MASON, OH 45040 | $15K |
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 | 725 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 324 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 324 | $1.7M |
| Vision | BLUE CROSS BLUE SHIELD OF ALABAMA | 324 | $1.7M |
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 286 | $243K |
| Long-term disability(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 583 | $293K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 561 | $341K |
| Other(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 324 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.