| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | HEALTHPARTNERS, INC. | $0 | $2K | $2K | 0.51% |
| CHRISTENSEN GROUP INC3 Filed as: CHRISTENSEN GROUP, INC. | 9855 WEST 78TH ST. STE 100 EDEN PRAIRIE, MN 55344 | HEALTHPARTNERS, INC. | $0 | -$11 | -$11 | -0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST #1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.40% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $737 | $737 | 0.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST #1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.45% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $598 | $598 | 0.89% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST #1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.83% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $623 | $623 | 0.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST #1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.38% |
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES | ONE SOUTH WACKER DR. #3350 CHICAGO, IL 606064614 | EYEMED | $2K | $0 | $2K | 6.72% |
| DIRECT BENEFITS, INC. - BOR3 | 55 E 5TH STREET SUITE 500 ST. PAUL, MN 55101 | EYEMED | $1K | $0 | $1K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 7225 NORTHLAND DRIVE N #300 MINNEAPOLIS, MN 55428 | EYEMED | $1K | $0 | $1K | 3.21% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST #1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 27.94% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $121 | $121 | 1.14% |
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 | 648 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTHPARTNERS, INC. | 921 | $365K |
| Vision | EYEMED | 543 | $34K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 648 | $106K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 648 | $87K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 648 | $67K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 648 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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."
No prospect flags tripped on this filing.