| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | HEALTHPARTNERS INSURANCE COMPANY | $31K | $5K | $36K | 2.93% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HEALTHPARTNERS, INC. | $8K | $0 | $8K | 10.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $340 | $3K | 8.13% |
| RACHEL F JASCHKE3 | 2303 PEACH DR NE SAUK RAPIDS, MN 56379 | AFLAC | $2K | $73 | $2K | 6.80% |
| MAHOWALD INSURANCE AGENCY3 | 916 WEST SAINT GERMAIN SAINT CLOUD, MN 56301 | AFLAC | $869 | $0 | $869 | 3.01% |
| SCOTT ALAN BRAATEN3 | 8478 119TH AVE CLEAR LAKE, MN 55319 | AFLAC | $421 | $0 | $421 | 1.46% |
| THE MADRID AGENCY INC3 | 6282 DOUGLAS CT N CHAMPLIN, MN 55316 | AFLAC | $252 | $0 | $252 | 0.87% |
| CAROL J HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $194 | $17 | $211 | 0.73% |
| RONALD DIETL3 Filed as: RONALD S DIETL | 14087 BANK ST SUITE 6 BECKER, MN 55308 | AFLAC | $175 | $0 | $175 | 0.61% |
| TODD H BURRER3 | 420 REGENCY PARKWAY DR SUITE 234 OMAHA, NE 68114 | AFLAC | $166 | $0 | $166 | 0.58% |
| DEBORAH A KRUMP3 | 1407 33RD ST S SUITE 1098 SAINT CLOUD, MN 56301 | AFLAC | $125 | $0 | $125 | 0.43% |
| JOSHUA WEST3 | 10695 DEAN MARTIN DR UNIT 1161 LAS VEGAS, NV 89141 | AFLAC | $109 | $0 | $109 | 0.38% |
| TERRY E ANDERSON3 | 700 CEDAR ST, SUITE 185 ALEXANDRIA, MN 56308 | AFLAC | $106 | $0 | $106 | 0.37% |
| MICHELE K WILLEY3 | 122 E MAIN ST 185 LAKELAND, FL 33801 | AFLAC | $88 | $0 | $88 | 0.31% |
| TRAVIS L WILLEY3 | 673 17TH ST S SARTELL, MN 56377 | AFLAC | $63 | $0 | $63 | 0.22% |
| MICHAEL K PORTER3 | 5881 TOWN BAY DR APT 916 BOCA RATON, FL 33486 | AFLAC | $45 | $0 | $45 | 0.16% |
| MALLORY D AITCHISON3 | 2203 PIONEER CT NW EAST GRAND FORKS, MN 56721 | AFLAC | $45 | $0 | $45 | 0.16% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $44 | $0 | $44 | 0.15% |
| KRISTIE L NOSBISH3 | 1012 7TH AVE S SARTELL, MN 56377 | AFLAC | $41 | $0 | $41 | 0.14% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $21 | $0 | $21 | 0.07% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $16 | $0 | $16 | 0.06% |
| PAVLISH CONSULTING CO3 | 3591 GARNER TERRACE WAY WAKE FOREST, NC 27587 | AFLAC | $16 | $0 | $16 | 0.06% |
| RICHARD SCHULTZ3 | 6347 386TH ST SARTELL, MN 56377 | AFLAC | $14 | $0 | $14 | 0.05% |
| BRENT K WALKER3 | 10 E 6TH ST SUITE 106 MORRIS, MN 56272 | AFLAC | $14 | $0 | $14 | 0.05% |
| ASHLEY N KLAPHAKE3 | 34402 370TH ST MELROSE, MA 56352 | AFLAC | $13 | $0 | $13 | 0.05% |
| LORI OLSON3 | 5280 ANNAPOLIS LN N APT 3324 MINNEAPOLIS, MN 55446 | AFLAC | $12 | $0 | $12 | 0.04% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $10 | $0 | $10 | 0.03% |
| DARIN D PAVLISH3 | 8312 152ND PL SAVAGE, MN 55378 | AFLAC | $9 | $0 | $9 | 0.03% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $8 | $0 | $8 | 0.03% |
| CHERYL VERONA MILLER3 | 1065 GETTY ST S SAUK CENTRE, MN 56378 | AFLAC | $8 | $0 | $8 | 0.03% |
| JEREMY L TOMLINSON3 | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $7 | $0 | $7 | 0.02% |
| TRACI J MOORE3 | 5712 COUNTY ROAD 141 SAINT CLOUD, MN 56301 | AFLAC | $6 | $0 | $6 | 0.02% |
| DONALD LARRY REYNOLDS3 | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $5 | $0 | $5 | 0.02% |
| MICHAEL J PRAY3 | 1211 DONNA DR NW ALEXANDRIA, MN 56308 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $3 | $0 | $3 | 0.01% |
| CORY L CAMPBELL3 | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | $2 | $0 | $2 | 0.01% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINESVILLE, TX 78660 | AFLAC | $2 | $0 | $2 | 0.01% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $2 | $0 | $2 | 0.01% |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE RD JORDAN, MN 55342 | AFLAC | $1 | $0 | $1 | 0.00% |
| SYLVIA ANDREWS3 | 8014 HIGHWAY 55 SUITE 462 MINNEAPOLIS, MN 55427 | AFLAC | $1 | $0 | $1 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $185 | $3K | 15.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $720 | $0 | $720 | 10.23% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 221 | $1.2M |
| Dental | HEALTHPARTNERS, INC. | 216 | $75K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 112 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $18K |
| Other | AFLAC | 44 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.