| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | P.O. BOX 441 DES MOINES, IA 50302 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 2.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | VERATRUS BENEFIT SOLUTIONS | $12K | — | $12K | 10.39% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST #1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $824 | $824 | 0.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST #1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $634 | $634 | 0.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST SUITE 2310 KANSAS CITY, KS 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 13.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST #1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $755 | $755 | 1.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF KANSAS CITY | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $668 | — | $668 | 1.25% |
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 | 2,152 | 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) | 2,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 469 | $160K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 808 | $111K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,020 | $138K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 576 | $70K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,020 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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.