| 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 | $36K | $26 | $36K | 2.18% |
| 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 | $2K | $5K | 7.91% |
| 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 | $755 | $4K | 15.40% |
| RACHEL F JASCHKE3 | 2303 PEACH DR NE SAUK RAPIDS, MN 56379 | AFLAC | $1K | $43 | $2K | 5.82% |
| SCOTT ALAN BRAATEN3 | 8478 119TH AVE CLEAR LAKE, MN 55319 | AFLAC | $742 | $10 | $752 | 2.84% |
| GARY JOSEPH NIEHOFF3 | 464 13TH AVE S, APT 10 SAUK RAPIDS, MN 56379 | AFLAC | $481 | $0 | $481 | 1.82% |
| ALYSSA J. BRAATEN3 Filed as: ALYSSA JOY BRAATEN | 8478 119TH AVE CLEAR LAKE, MN 55319 | AFLAC | $187 | $0 | $187 | 0.71% |
| MAHOWALD INSURANCE AGENCY3 | 916 WEST SAINT GERMAIN SAINT CLOUD, MN 56301 | AFLAC | $178 | $0 | $178 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 916 W SAINT GERMAIN ST ST. CLOUD, MN 56301 | AFLAC | $176 | $0 | $176 | 0.67% |
| MANUEL A MADRID3 Filed as: MANUEL MADRID | 6282 DOUGLAS CT N CHAMPLIN, CO 55316 | AFLAC | $136 | $10 | $146 | 0.55% |
| RONALD DIETL3 | 14087 BANK ST SUITE 6 BECKER, MN 55308 | AFLAC | $109 | $0 | $109 | 0.41% |
| TODD H BURRER3 Filed as: TODD BURRER | 440 REGENCY PARKWAY DR SUITE 234 OMAHA, NE 68114 | AFLAC | $93 | $0 | $93 | 0.35% |
| CAROL PURDY FIELDS3 Filed as: CAROL HANSEN | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $81 | $0 | $81 | 0.31% |
| TERRY E ANDERSON3 Filed as: TERRY ANDERSON | 700 CEDAR ST SUITE 185 ALEXANDRIA, MN 56308 | AFLAC | $77 | $0 | $77 | 0.29% |
| DEBORAH A KRUMP3 Filed as: DEBORAH KRUMP | 1407 33RD ST S SUITE 1098 SAINT CLOUD, MN 56301 | AFLAC | $68 | $0 | $68 | 0.26% |
| MICHELLE K WILLEY3 | 122 E MAIN ST, 185 LAKELAND, FL 33801 | AFLAC | $67 | $0 | $67 | 0.25% |
| MICHAEL K PORTER3 | 5881 TOWN BAY DR APT 916 BOCA RATON, FL 33486 | AFLAC | $57 | $0 | $57 | 0.22% |
| MALLORY D AITCHISON3 | 2203 PIONEER CT NW EAST GRAND FORKS, MN 56721 | AFLAC | $52 | $0 | $52 | 0.20% |
| THE MADRID AGENCY INC3 Filed as: MADRID AGENCY INC | 4624 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $50 | $0 | $50 | 0.19% |
| JOSHUA WEST3 | 10695 DEAN MARTIN DR LAS VEGAS, NV 89141 | AFLAC | $42 | $0 | $42 | 0.16% |
| THERESA WILLIAMS JONES3 Filed as: THERESA JONES | 125 CLIFFVIEW DR QUITMAN, AR 72131 | AFLAC | $39 | $0 | $39 | 0.15% |
| KRISTIE L NOSBISH3 | 1012 7TH AVE S SARTELL, MN 56377 | AFLAC | $32 | $0 | $32 | 0.12% |
| TRAVIS L WILLEY3 Filed as: TRAVIS WILLEY | 2023 SANDSTONE LOOP N SARTELL, MN 56377 | AFLAC | $31 | $0 | $31 | 0.12% |
| JEFFREY M HANSEN3 | 1895 52ND ST SW PEQUOT LAKES, MN 56472 | AFLAC | $19 | $0 | $19 | 0.07% |
| BRYAN PAVLISH3 | 900 W 128TH ST SUITE 120F BURNSVILLE, MN 55337 | AFLAC | $15 | $0 | $15 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV INC | 975 KALLY JOHNSON DR, STE 100 LAS VEGAS, NV 89119 | AFLAC | $13 | $0 | $13 | 0.05% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD SUITE 110 LAS VEGAS, NV 89118 | AFLAC | $8 | $0 | $8 | 0.03% |
| DARIN D PAVLISH3 Filed as: DARIN PAVLISH | 8312 152ND PL SAVAGE, MN 55378 | AFLAC | $8 | $0 | $8 | 0.03% |
| ASHLEY N KLAPHAKE3 | 34402 370TH ST MELROSE, MA 56352 | AFLAC | $7 | $0 | $7 | 0.03% |
| CHERYL VERONA MILLER3 | 1065 GETTY ST S SAUK CENTRE, MN 56378 | AFLAC | $7 | $0 | $7 | 0.03% |
| BARRY CAMPBELL3 | 2798 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $6 | $0 | $6 | 0.02% |
| JEREMY L TOMLINSON3 Filed as: JEREMY TOMLINSON | 6305 W RUSSETT ST BOISE, ID 83704 | AFLAC | $6 | $0 | $6 | 0.02% |
| MICHELLE RAE MAGUIRE3 | 7825 WASHINGTON AVE S SUITE 425 MINNEAPOLIS, MN 55439 | AFLAC | $5 | $0 | $5 | 0.02% |
| JOHN PAUL THOMPSON SR3 | 6395 S KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $5 | $0 | $5 | 0.02% |
| TRACI J MOORE3 Filed as: TRACI MOORE | 5712 COUNTY ROAD 141 SAINT CLOUD, MN 56301 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHERISE M WADE3 | 616 HARDEMAN ST SEALY, TX 77474 | AFLAC | $3 | $0 | $3 | 0.01% |
| DONALD LARRY REYNOLDS3 | 8945 33RD ST N #B LAKE ELMO, MN 55042 | AFLAC | $2 | $0 | $2 | 0.01% |
| RICHARD SCHULTZ3 | 6347 386TH ST SARTELL, MN 56377 | AFLAC | $1 | $0 | $1 | 0.00% |
| CORY L CAMPBELL3 Filed as: CORY CAMPBELL | 13139 FERRIS CT APPLE VALLEY, MN 55124 | AFLAC | $1 | $0 | $1 | 0.00% |
| GREGORY STENZEL3 | 14054 BADIANDS DR FRISCO, TX 73035 | AFLAC | $1 | $0 | $1 | 0.00% |
| MATTHEW R LORENZ3 | 1021 PROSPECT POINTE RD JORDAN, MN 55342 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL J PRAY3 | 1211 DONNA DR NW ALEXANDRIA, MN 56308 | AFLAC | $0 | $0 | $0 | 0.00% |
| KNUTE NELSON3 | 920 AUTUMN SAGE WAY PFLUGERVILLE, TX 78660 | AFLAC | $0 | $0 | $0 | 0.00% |
| SYLVIA ANDREWS3 | 8014 HIGHWAY 55 SUITE 462 MINNEAPOLIS, MN 55427 | AFLAC | $0 | $0 | $0 | 0.00% |
| 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 | $875 | $0 | $875 | 9.91% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 243 | $1.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 158 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $26K |
| Other | AFLAC | 40 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.