| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.59% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET STE 700 MINNEAAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 5.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF WISCONSIN | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | ARAG INSURANCE COMPANY | $574 | — | $574 | 10.01% |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 549 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 522 | $84K |
| Long-term disability | STANDARD INSURANCE COMPANY | 522 | $72K |
| Other | ARAG INSURANCE COMPANY | 44 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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.