| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $10K | $29K | 8.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE SUITE 300 MINNEAPOLIS, MN 55428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $20K | 5.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | — | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 11.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | — | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | $37 | — | $37 | 6.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7225 NORTHLAND DRIVE NORTH SUITE 300 MINNEAPOLIS, MN 55428 | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | $26 | — | $26 | 4.61% |
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 | 636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE COMPANY | 776 | $49K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 636 | $346K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 636 | $346K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 712 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.