| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | JOANNE M MUELLER 80 W 8TH ST STE 700 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $64K | $3K | $67K | 3.29% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST MINNEAPOLIS, MN 55402 | DELTA DENTAL | $912 | — | $912 | 1.00% |
| HAYS COMPANIES, INC.3 | 11595 N MERIDIAN ST STE 250 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $1K | $11K | 12.87% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH ST IDS CENTER SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 CLAIMS PROCESSING | Claims processing Service code 12 | SC3238 ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 02481 | $8K |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 140 | $2.0M |
| Dental | DELTA DENTAL | 140 | $91K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 103 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $87K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $87K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 155 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.