| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC-MINNESOTA | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $46K | $978 | $47K | 2.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 19.92% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE ST. FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $138 | $138 | 0.35% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $839 | — | $839 | 3.60% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $87 | $87 | 0.37% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE | $902 | — | $902 | 10.82% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | — | $96 | 14.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55480 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31 | — | $31 | 4.84% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 W ERIE ST. FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2 | $2 | 0.31% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 266 | $1.8M |
| Vision | EYEMED VISION CARE | 118 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $23K |
| Prescription drug | MEDICA INSURANCE COMPANY | 266 | $1.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $641 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.