| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF ILLINOIS LLC | 1 S. WACKER DR, SUITE 3350 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $2K | $2K | 0.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 1950 ALANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| DARCI LEWIS3 | 5495 COLT DR SE CALENDONIA, MI 49316 | TRANSAMERICA | $3K | $0 | $3K | 11.21% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | TRANSAMERICA | $3K | $0 | $3K | 11.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 301 E PINE ST, STE 650 ORLANDO, FL 32801 | TRANSAMERICA | $2K | $0 | $2K | 6.21% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | TRANSAMERICA | $1K | $0 | $1K | 4.67% |
| MIDWEST SELECT INSURANCE GROUP LLC3 | 1431 O'KEEFE AVE KRONENWETTER, WI 54455 | TRANSAMERICA | $80 | $0 | $80 | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST # 1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $606 | $606 | 4.93% |
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 | 337 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 472 | $3.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 595 | $183K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 595 | $183K |
| Life insurance(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 467 | $135K |
| Short-term disability | TRANSAMERICA | 164 | $30K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $92K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA | 467 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.