| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | IDS CENTER, SUITE 700 800 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | HCC LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILSON MCSHANE CORPORATION EIN 41-0956552 NONE | Contract Administrator Service code 13 | — | $228K |
| HEALTH PARTNERS EIN 41-1629390 NONE | Claims processing Service code 12 | — | $65K |
| MCGRANN SHEA CARNIVAL STRAUGHN EIN 41-1654544 NONE | Legal Service code 29 | — | $21K |
| DELTA DENTAL EIN 41-0952670 NONE | Claims processing Service code 12 | — | $17K |
| TOTAL EMPLOYEE ASSISTANCE MGMT EIN 83-0469948 NONE | Consulting (general) Service code 16 | — | $15K |
| BETTS & HAYES, LTD EIN 41-1619880 NONE | Accounting (including auditing) Service code 10 | — | $9K |
| PRIME THERAPEUTICS EIN 41-1892844 NONE | Claims processing Service code 12 | — | $7K |
| UNION BANK AND TRUST EIN 41-1267434 NONE | Account maintenance fees Service code 65 | 312 CENTRAL AVE SE MINNEAPOLIS, MN 55414 | $6K |
| STANDARD VALUATIONS EIN 41-1327339 NONE | Investment advisory (plan) Service code 27 | — | $6K |
| MAIRS & POWER EIN 41-0844499 INVESTMENT MANAGEMENT | Investment advisory (plan) Service code 27 | — | $6K |
| METROPOLITAN WEST ASSET MGMT LLC EIN 95-2642764 INVESTMENT MANAGEMENT | Investment advisory (plan) Service code 27 | 865 SOUTH FIGUEROA STREET LOS ANDELES, CA 90017 | $0 |
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 | 706 | 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) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 766 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.