| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $254K | $0 | $254K | 3.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1125 17TH STREET SUITE 400 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | $424K | $0 | $424K | 7.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST #700 MINNEAPOLIS, MN 55402 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 2.66% |
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 | 9,173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 144 | $963K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 144 | $963K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 6,588 | $1.9M |
| Life insurance | STANDARD INSURANCE COMPANY | 9,173 | $5.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 9,173 | $5.9M |
| Stop-loss / reinsurancereinsurance | BCBSMN, INC. D.B.A. BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 7,278 | $7.5M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 226 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,173 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.