| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST SUITE 400 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $13K | $362 | $14K | 3.93% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC (MN) | 80 SOUTH EIGHTH ST-STE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 2.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 1414 MINNEAPOLIS, MN 554801414 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 5.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 9.28% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL ATTN ACCOUNT DEPT PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 13.81% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL ATTN ACCOUNT DEPT PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.19% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 554022105 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 5.21% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | AMERITAS LIFE INSURANCE CORP. | $283 | — | $283 | 0.20% |
| THE GRAHAM COMPANY3 | 30 SOUTH 1TH ST 23RD FL ATTN ACCOUNT DEPT PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $188 | — | $188 | 8.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34 | $0 | $34 | 1.53% |
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 | 3,062 | 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) | 3,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 42 | $808K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 2,270 | $142K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,268 | $216K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 565 | $147K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,268 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.