| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP | 80 SOUTH 8TH ST MINNEAPOLIS, MN 55402 | SECURIAN LIFE INSURANCE | $5K | $0 | $5K | 0.51% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1350 BAYSHORE HIGHWAY BURLINGAME, CA 94010 | SECURIAN LIFE INSURANCE | $5K | $0 | $5K | 0.49% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80TH SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 0.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1350 BAYSHORE HIGHWAY SUITE 218 BURLINGHAME, CA 94010 | SECURIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP | 80TH SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | SECURIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH ST SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | — | $0 | — |
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 | 4,024 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MINNESOTA | 2,742 | $387K |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE | 4,024 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,047 | $815K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 4,120 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,120 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.