| 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 | $99K | — | $99K | 2.52% |
| 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 | $4K | $9K | 16.62% |
| COMPSYCH5 | P O BOX 7827 PHILADELPHIA, PA 19176 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.74% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $77 | $77 | 0.15% |
| SCS BENEFIT SERVICES LLC3 | 1101 W CLAIREMONT AVE STE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.82% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GRP LLC | 1431 OKEEFE AVE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.22% |
| HERITAGE HOME SOLUTIONS INC3 | 21350 HIGHWAY 7 EXCELSIOR, MN 55331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.49% |
| ERIC W WENGER3 | 9360 OAK AVE WACONIA, MN 55387 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $248 | — | $248 | 0.49% |
| SCS BENEFIT SERVICES LLC3 | 1101 W CLAIREMONT AVE STE 2E EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $419 | — | $419 | 1.09% |
| HERITAGE HOME SOLUTIONS INC3 | 21350 HIGHWAY 7 EXCELSIOR, MN 55331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 0.51% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INS GRP LLC | 1431 OKEEFE AVE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | — | $170 | 0.44% |
| ERIC W WENGER3 | 9360 OAK AVE WACONIA, MN 55387 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.10% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | 1101 W CLAIREMONT AVE STE 2E EAU CLAIRE, WI 54701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.18% |
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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 429 | $3.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 295 | $17K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 409 | $53K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 409 | $53K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 429 | $3.9M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 409 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.