| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 2.82% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 1.41% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 0.93% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 0.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST STE 5200 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $61K | $0 | $61K | 24.76% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW ROAD STE 210 CHARLOTTE, NC 28210 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 10.26% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 1.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $30K | $0 | $30K | 20.19% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.52% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.79% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $31K | $0 | $31K | 30.91% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 2.60% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 5.05% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.52% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.79% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.03% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $862 | $862 | 1.51% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $0 | $518 | $518 | 0.91% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $324 | $324 | 0.57% |
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 | 975 | 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) | 975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 617 | $320K |
| Vision | STANDARD INSURANCE COMPANY | 975 | $57K |
| Life insurance | STANDARD INSURANCE COMPANY | 562 | $101K |
| Short-term disability | STANDARD INSURANCE COMPANY | 440 | $151K |
| Long-term disability | STANDARD INSURANCE COMPANY | 440 | $85K |
| Other | ULLIANCE, INC. | 1,708 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,708 | — |
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.