| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP LLC | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $579 | $12K | 16.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP LLC | 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $754 | — | $754 | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $43 | $312 | 13.53% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $42 | $122 | 5.29% |
| JON OLSON3 | PO BOX 5423 MANKATO, MN 56002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $18 | $85 | 3.69% |
| AROL MATHISON3 | 28118 141ST ST NW ZIMMERMAN, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 2.69% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH LANGEVIN | 698 W LARPENTEUR AVE ST. PAUL, MN 55113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $17 | $54 | 2.34% |
| KAREN BOHLER3 | 12810 PRIMROSE LANE EDEN PRAIRIE, MN 55344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $10 | $43 | 1.86% |
| TOBIAS JONATHAN BRUST3 Filed as: TOBIAS BRUST | 5307 CIRCLE DOWN GOLDEN VALLEY, MN 55416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $9 | $38 | 1.65% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN LUCAS | 2650 ACORN RUN VICTORIA, MN 55386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $10 | $20 | 0.87% |
| MICHELLE J HALLER3 Filed as: MICHELLE HALLER | 913 HUNTINGTON WAY JORDAN, MN 55352 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.35% |
| ANDREW CHARLES FELLS3 Filed as: ANDREW FELLS | 331 W HUMPHREY STREET LAKE CRYSTAL, MN 56055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.30% |
| JACK HENNINGSGAARD3 | 2562 LOST LAKE RD MOUND, MN 55364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.13% |
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 | 733 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 9 | $2K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 382 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 733 | $75K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 9 | $2K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 733 | $75K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 733 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.