| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANYS, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $73K | $0 | $73K | 1.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | $45K | $0 | $45K | 1.05% |
| SCS BENEFIT SERVICES LLC3 Filed as: SCS BENEFIT SERVICES, LLC | 4004 OAKWOOD HILLS PARKWAY SUITE 100 EAU CLAIRE, WI 54701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.52% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP, LLC | 1431 OKEEFE AVENUE KRONENWETTER, WI 54455 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.28% |
| HERITAGE HOME SOLUTIONS INC3 Filed as: HERITAGE HOME SOLUTIONS, INC. | 21350 HIGHWAY 7 EXCELSIOR, MN 55331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $892 | $0 | $892 | 1.07% |
| WENGER ERIC W3 | 862 WINDMILL CREEK NORTH WACONIA, MN 55387 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $172 | $0 | $172 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANYS, INC. | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.41% |
| IMG5 | 3960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $90 | $90 | 0.16% |
| MIDWEST SELECT INSURANCE GROUP LLC3 Filed as: MIDWEST SELECT INSURANCE GROUP | 1101 WEST CLAIREMONT AVENUE SUITE 2E EAU CLAIRE, WI 54701 | EYEMED FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.94% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 433 | $4.3M |
| Vision | EYEMED FIDELITY SECURITY LIFE INSURANCE COMPANY | 318 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 414 | $56K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 414 | $56K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 433 | $4.3M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 414 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.