| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $77K | $0 | $77K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA,INC | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $30K | $30K | 5.91% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 12.87% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 52406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $45 | $2K | 4.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SVCS INC | P O BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $755 | $0 | $755 | 1.47% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | 800 MAIN ST DUBUQUE, IA 52001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $676 | $0 | $676 | 1.32% |
| CARUTH, JENNON, M3 Filed as: CARUTH JENNON M | 6400 FLYING CLOUD DR STE 215 EDEN PRAIRIE, MN 55344 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $468 | $0 | $468 | 0.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 6.64% |
| TRUENORTH COMPANIES LC3 | P O BOX 1863 CEDAR RAPIDS, IA 52406 | HUMANA INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $477 | $0 | $477 | 15.01% |
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 | 476 | 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) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 298 | $48K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 702 | $515K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 702 | $515K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 702 | $515K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 702 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.