| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 11.69% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY | $851 | $0 | $851 | 1.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY - LONG TERM DISABILITY | $5K | $0 | $5K | 11.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY - LONG TERM DISABILITY | $787 | $0 | $787 | 1.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY LLC | PO BOX 410249 KANSAS CITY, MO 64141 | STANDARD INSURANCE COMPANY - LONG TERM DISABILITY | $433 | $0 | $433 | 1.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $3K | $0 | $3K | 9.93% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 430 | $27K |
| Life insurance | STANDARD INSURANCE COMPANY | 374 | $77K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 374 | $117K |
| Other | STANDARD INSURANCE COMPANY | 374 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.