| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $598 | $2K | 7.76% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.20% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.71% |
| MICHELLE J HALLER3 Filed as: MICHELLE J. HALLER | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $8 | $182 | 2.38% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $8 | $49 | 0.64% |
| MEGHAN MOFFATT LUCAS3 | 25900 AUTUMN WAY VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $2 | $43 | 0.56% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: KLH INSURANCE | 1009 8TH AVE NE WASECA, MN 56093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $4 | $24 | 0.31% |
| ATB INSURANCE INC3 Filed as: ATB INSURANCE | 8654 SOUTH MAPLEBROOK CIRCLE BROOKLYN PARK, MN 55445 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $2 | $19 | 0.25% |
| JAMIE MCREYNOLDS3 | 4550 MINNETONKA BLVD MINNEAPOLIS, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.10% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $913 | — | $913 | 13.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80TH SOUTH 8TH STREET #700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $396 | — | $396 | 6.46% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $259 | — | $259 | 4.22% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 80.68% |
| HORIZON BENEFITS LLC3 Filed as: HORIZON AGENCY, INC. | 6500 CITY WEST PARKWAY, SUITE 100 EDEN PRAIRIE, MN 55344 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $106 | — | $106 | 6.42% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | 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 | 116 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $7K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $30K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.