| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $72K | — | $72K | 2.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $128 | $5K | 9.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET IDS CENTER STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $902 | $902 | 1.63% |
| SCS BENEFIT SERVICES LLC3 | 1101 W CLAIREMONT AVE STE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 17.39% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GRP LLC | 1431 OKEEFE AVE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.41% |
| HERITAGE HOME SOLUTIONS INC3 | 21350 HIGHWAY 7 EXCELSIOR, MN 55331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $442 | $0 | $442 | 1.30% |
| ERIC W WENGER3 | 9360 OAK AVE WACONIA, MN 55387 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | $0 | $85 | 0.25% |
| SCS BENEFIT SERVICES LLC3 | 1101 W CLAIREMONT AVE STE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.82% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GRP LLC | 1431 OKEEFE AVE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $538 | $0 | $538 | 1.97% |
| HERITAGE HOME SOLUTIONS INC3 | 21350 HIGHWAY 7 EXCELSIOR, MN 55331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | $0 | $211 | 0.77% |
| ERIC W WENGER3 | 9360 OAK AVE WACONIA, MN 55387 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.07% |
| SCS BENEFIT SERVICES LLC3 | 1101 W CLAIREMONT AVE STE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $840 | $0 | $840 | 8.25% |
| HERITAGE HOME SOLUTIONS INC3 Filed as: HERITAGE HOME SOLUTIONS | 21350 HIGHWAY 7 EXCELSIOR, MN 55331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $300 | $0 | $300 | 2.95% |
| ERIC W WENGER3 | 9360 OAK AVE WACONIA, MN 55387 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.59% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 396 | $2.9M |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 123 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $55K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $55K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 396 | $2.9M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.