| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | MEDICA INSURANCE COMPANY | $34K | — | $34K | 2.93% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP, LLC | 6000 CLEARWATER DRIVE MINNETONKA, MN 553439448 | MEDICA INSURANCE COMPANY | $24K | $4K | $28K | 2.46% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $666 | $666 | 3.19% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $651 | $651 | 3.19% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $327 | $327 | 3.20% |
| PATRICIA GASCOIGNE3 | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNION SECURITY INSURANCE COMPANY | $252 | — | $252 | 11.08% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE COMMISSION DEPT KIMBERLY, WI 54136 | UNION SECURITY INSURANCE COMPANY | $79 | — | $79 | 3.47% |
| PATRICIA GASCOIGNE3 | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNION SECURITY INSURANCE COMPANY | $290 | — | $290 | 14.11% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DRIVE COMMISSIONS DEPT KIMBERLY, WI 54136 | UNION SECURITY INSURANCE COMPANY | $112 | — | $112 | 5.45% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 263 | $1.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $21K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.