| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: JANICE WILSON, HAYS COMPANIES, INC. | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | HEALTH PARTNERS ADMINISTRATORS, INC. | $32K | — | $32K | 3.45% |
| PASQUA ISAAC DECKERT3 Filed as: PASQUA DECKERT | CAPITAL SERVICES, INC. 215 WASHINGTON AVE, STE 400 TOWSON, MD 21204 | HEALTH PARTNERS ADMINISTRATORS, INC. | $10K | — | $10K | 1.06% |
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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PARTNERS ADMINISTRATORS, INC. | 325 | $916K |
| Dental | HEALTH PARTNERS ADMINISTRATORS, INC. | 325 | $916K |
| Stop-loss / reinsurancereinsurance | HEALTH PARTNERS ADMINISTRATORS, INC. | 325 | $916K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.