| 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 | $98K | — | $98K | 2.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP, LLC | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| COMPSYCH5 | P O BOX 7827 PHILADELPHIA, PA 19176 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.26% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $67 | $67 | 0.13% |
| SCS BENEFIT SERVICES LLC3 | 1101 W CLAIREMONT AVE STE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.07% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GRP LLC | 1431 OKEEFE AVE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.76% |
| HERITAGE HOME SOLUTIONS INC3 | 21350 HIGHWAY 7 EXCELSIOR, MN 55331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $492 | — | $492 | 1.23% |
| ERIC W WENGER3 | 9360 OAK AVE WACONIA, MN 55387 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.23% |
| SCS BENEFIT SERVICES LLC3 | 1101 W CLAIREMONT AVE STE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219 | — | $219 | 0.75% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GRP LLC | 1431 OKEEFE AVE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.30% |
| HERITAGE HOME SOLUTIONS INC3 | 21350 HIGHWAY 7 EXCELSIOR, MN 55331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.21% |
| ERIC W WENGER3 | 9360 OAK AVE WACONIA, MN 55387 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| SCS BENEFIT SERVICES LLC3 | 1101 W CLAIREMONT AVE STE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.40% |
| HERITAGE HOME SOLUTIONS INC3 | 21350 HIGHWAY 7 EXCELSIOR, MN 55331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $428 | — | $428 | 3.00% |
| ERIC W WENGER3 | 9360 OAK AVE WACONIA, MN 55387 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.60% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 423 | $3.6M |
| Vision | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 141 | $14K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 371 | $50K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 371 | $50K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 423 | $3.6M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 371 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.