| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $45K | — | $45K | 9.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT COMPANY | $3K | $216 | $3K | 5.57% |
| BST COMPANIES INC3 | 425 S. FREMONT AV. TUSCON, AZ 85719 | COLONIAL LIFE & ACCIDENT COMPANY | $2K | $41 | $2K | 4.38% |
| CARRIE S FLATEN3 | 2606 86TH CT W NORTHFIELD, MN 55057 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $257 | $2K | 3.15% |
| JB & H LLC3 | 8707 E SAGUARDO VIEW PLACE VAIL, AZ 85641 | COLONIAL LIFE & ACCIDENT COMPANY | $1K | $32 | $1K | 2.25% |
| MARC A GROVE3 | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT COMPANY | $500 | $263 | $763 | 1.51% |
| MARQUEZ BENEFIT GROUP LLC3 | 8601 N BLACK CANYON HWY PHOENIX, AZ 85021 | COLONIAL LIFE & ACCIDENT COMPANY | $336 | $112 | $448 | 0.89% |
| RYAN BENEFITS INC3 Filed as: RYAN CHRISTOPHER TRUCHON | 11954 YELLOWPINE ST NW COON RAPIDS, MN 55448 | COLONIAL LIFE & ACCIDENT COMPANY | $263 | $25 | $288 | 0.57% |
| JEFFREY D HARNED3 Filed as: JEFFREY LYLES | 3872 BALLANTRAE RD EAGAN, MN 55122 | COLONIAL LIFE & ACCIDENT COMPANY | $162 | — | $162 | 0.32% |
| ANDREW CHARLES FELLS3 | 331 W HUMPHREY STREET LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT COMPANY | $97 | $0 | $97 | 0.19% |
| ROSE MARY GOODMAN3 | 5200 HOLLY LANE N #4 PLYMOUTH, MN 55446 | COLONIAL LIFE & ACCIDENT COMPANY | $91 | $0 | $91 | 0.18% |
| CONRAD R SUECHTING3 | 27362 POTATO FARM ROAD ONTONAGON, MI 49953 | COLONIAL LIFE & ACCIDENT COMPANY | $66 | $24 | $90 | 0.18% |
| ATB INSURANCE INC3 | 8654 SOUTH MAPLEBROOK CIRCLE BROOKLYN PARK, MN 55445 | COLONIAL LIFE & ACCIDENT COMPANY | $73 | $3 | $76 | 0.15% |
| TYLOR DOUGLAS NOLL3 | 13246 POSTIER DRIVE NW ORONOCO, MN 55960 | COLONIAL LIFE & ACCIDENT COMPANY | $69 | $0 | $69 | 0.14% |
| SHAWN JEFFERY WARREN3 | PO BOX 581 SCOTTSDALE, AZ 85252 | COLONIAL LIFE & ACCIDENT COMPANY | $28 | $35 | $63 | 0.12% |
| ROBERT SCOTT BRUNER3 | 24620 E CEDAR LAKE DR NEW PRAGUE, MN 56071 | COLONIAL LIFE & ACCIDENT COMPANY | $19 | $30 | $49 | 0.10% |
| MICHELLE J HALLER3 | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT COMPANY | $16 | $13 | $29 | 0.06% |
| NELS COREY JOHNSON3 | 25262 SLOTH ST NW ZIMMERMAN, MN 55398 | COLONIAL LIFE & ACCIDENT COMPANY | $11 | — | $11 | 0.02% |
| ZACHARY M SWARTZENDRUBER3 | 600 US 169 ST. LOUIS PARK, MA 55426 | COLONIAL LIFE & ACCIDENT COMPANY | $5 | $3 | $8 | 0.02% |
| NATALIE SUZANNE FONVILLE3 | 1600 THOMAS AVE N MINNEAPOLIS, MN 55411 | COLONIAL LIFE & ACCIDENT COMPANY | $5 | $1 | $6 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 480 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 601 | $453K |
| Short-term disability | STANDARD INSURANCE COMPANY | 601 | $453K |
| Long-term disability | STANDARD INSURANCE COMPANY | 601 | $453K |
| Other | COLONIAL LIFE & ACCIDENT COMPANY | 62 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.