| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $78K | — | $78K | 6.97% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $151K | $8K | $159K | 15.75% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC. | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $33K | $3K | $36K | 12.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $18K | $2K | $20K | 6.81% |
| BOUDREAUX, BEAU, DAVID3 Filed as: BOUDREAUX, BEAU D | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $5K | — | $5K | 1.76% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $2K | $34K | 15.72% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 4.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $62 | $1K | 15.68% |
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 | 1,463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM INSURANCE COMPANY | 403 | $289K |
| Dental | AETNA LIFE INSURANCE CO. | 2,571 | $1.1M |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 610 | $116K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,463 | $1.5M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,463 | $1.0M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,463 | $1.0M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,463 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,571 | — |
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.