| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HEALTH CARE SERVICE CORPORATION | $93K | $2K | $95K | 3.46% |
| STEPHEN R. TODD3 | 112 S. BLOOMINGDALE BLOOMINGDALE, IL 60108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.85% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - CHICAGO | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $186 | $2K | 1.13% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 606613778 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - CHICAGO | C/O BANK OF AMERICA 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $290 | $4K | 14.95% |
| STEPHEN R. TODD3 | 112 S. BLOOMINGDALE BLOOMINGDALE, IL 60108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $302 | — | $302 | 1.20% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $741 | — | $741 | 4.53% |
| STEPHEN R. TODD3 | 112 S. BLOOMINGDALE BLOOMINGDALE, IL 60108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $572 | — | $572 | 14.95% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 424 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 542 | $144K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 213 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $187K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $161K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 424 | $2.7M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.
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.