| 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 | $34K | $4K | $38K | 2.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HEALTHPARTNERS, INC. | $10K | $0 | $10K | 9.77% |
| 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 | $0 | $3K | 5.58% |
| RACHEL F JASCHKE3 | 2303 PEACH DR NE SAUK RAPIDS, MN 56379 | AFLAC | $1K | $47 | $1K | 5.60% |
| MAHOWALD INSURANCE AGENCY3 | 916 WEST SAINT GERMAIN SAINT CLOUD, MN 56301 | AFLAC | $443 | $0 | $443 | 1.71% |
| SCOTT ALAN BRAATEN3 | 8478 119TH AVE CLEAR LAKE, MN 55319 | AFLAC | $295 | $11 | $306 | 1.18% |
| JOSHUA WEST3 | 10695 DEAN MARTIN DR LAS VEGAS, NV 89141 | AFLAC | $270 | $0 | $270 | 1.04% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID | 6282 DOUGLAS CT N CHAMPLIN, CO 55316 | AFLAC | $169 | $11 | $180 | 0.69% |
| TODD H BURRER3 Filed as: TODD BURRER | 440 REGENCY PARKWAY DR SUITE 234 OMAHA, NE 68114 | AFLAC | $149 | $0 | $149 | 0.58% |
| RONALD DIETL3 | 14087 BANK ST SUITE 6 BECKER, MN 55308 | AFLAC | $135 | $0 | $135 | 0.52% |
| TRAVIS L WILLEY3 Filed as: TRAVIS WILLEY | 2023 SANDSTONE LOOP N SARTELL, MN 56377 | AFLAC | $128 | $0 | $128 | 0.49% |
| CAROL PURDY FIELDS3 Filed as: CAROL HANSEN | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $112 | $0 | $112 | 0.43% |
| DEBORAH A KRUMP3 Filed as: DEBORAH KRUMP | 1407 33RD ST S SUITE 1098 SAINT CLOUD, MN 56301 | AFLAC | $112 | $0 | $112 | 0.43% |
| TERRY E ANDERSON3 Filed as: TERRY ANDERSON | 700 CEDAR ST SUITE 185 ALEXANDRIA, MN 56308 | AFLAC | $97 | $0 | $97 | 0.37% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $54 | $0 | $54 | 0.21% |
| MICHAEL K PORTER3 | 5881 TOWN BAY DR APT 916 BOCA RATON, FL 33486 | AFLAC | $46 | $0 | $46 | 0.18% |
| MALLORY D AITCHISON3 | 2203 PIONEER CT NW EAST GRAND FORKS, MN 56721 | AFLAC | $41 | $0 | $41 | 0.16% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $39 | $0 | $39 | 0.15% |
| KRISTIE L NOSBISH3 | 1012 7TH AVE S SARTELL, MN 56377 | AFLAC | $36 | $0 | $36 | 0.14% |
| BRYAN PAVLISH3 | 900 W 128TH ST SUITE 120F BURNSVILLE, MN 55337 | AFLAC | $15 | $0 | $15 | 0.06% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $14 | $0 | $14 | 0.05% |
| RICHARD SCHULTZ3 | 6347 386TH ST SARTELL, MN 56377 | AFLAC | $13 | $0 | $13 | 0.05% |
| ASHLEY N KLAPHAKE3 | 34402 370TH ST MELROSE, MA 56352 | AFLAC | $12 | $0 | $12 | 0.05% |
| DARIN D PAVLISH3 Filed as: DARIN PAVLISH | 8312 152ND PL SAVAGE, MN 55378 | AFLAC | $8 | $0 | $8 | 0.03% |
| JAMES MILLER3 | 801 PLEASANT ST SAUK CENTRE, MN 56378 | AFLAC | $7 | $0 | $7 | 0.03% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $7 | $0 | $7 | 0.03% |
| THERESA WILLIAMS JONES3 Filed as: THERESA JONES | 125 CLIFFVIEW DR QUITMAN, AR 72131 | AFLAC | $7 | $0 | $7 | 0.03% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $6 | $0 | $6 | 0.02% |
| TRACI J MOORE3 Filed as: TRACI MOORE | 5712 COUNTY ROAD 141 SAINT CLOUD, MN 56301 | AFLAC | $6 | $0 | $6 | 0.02% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $5 | $0 | $5 | 0.02% |
| DONALD LARRY REYNOLDS3 | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $4 | $0 | $4 | 0.02% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $3 | $0 | $3 | 0.01% |
| MICHAEL J PRAY3 | 1211 DONNA DR NW ALEXANDRIA, MN 56308 | AFLAC | $2 | $0 | $2 | 0.01% |
| CORY L CAMPBELL3 Filed as: CORY CAMPBELL | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | $2 | $0 | $2 | 0.01% |
| GREGORY STENZEL3 | 14054 BADIANDS DR FRISCO, TX 73035 | AFLAC | $1 | $0 | $1 | 0.00% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $1 | $0 | $1 | 0.00% |
| 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 | $0 | $3K | 13.23% |
| 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 | $786 | $0 | $786 | 9.80% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 238 | $1.5M |
| Dental | HEALTHPARTNERS, INC. | 237 | $103K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 143 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $53K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 210 | $23K |
| Other | AFLAC | 48 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.