| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321K | — | $321K | 12.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHER E CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | — | $50K | 1.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $98K | — | $98K | 4.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $101K | — | $101K | 4.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $110K | — | $110K | 9.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHER E CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | -$177 | — | -$177 | -0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $39K | — | $39K | 5.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | $19K | $2K | $21K | 11.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHER E CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | — | $1K | $1K | 0.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO | $8K | — | $8K | 9.16% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $771 | — | $771 | 3.00% |
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 | 17,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 17,495 | $11.7M |
| Dental | AETNA LIFE INSURANCE CO | 18 | $82K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,441 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 14,256 | $2.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 10,062 | $2.1M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,532 | $791K |
| Other | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO | 908 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,495 | — |
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.