| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | WELLMARK, INC. | $7K | — | $7K | 2.12% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP LLC | 80 S 8TH STREET, IDS CENTER #700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF IOWA | $3K | $541 | $3K | 7.14% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE TRAIL WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | — | $40 | $40 | 0.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF MINNESOTA | IDS CENTER 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 13.57% |
| SELECT NETWORKS3 | 317 6TH AVENUE DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $861 | — | $861 | 7.47% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 3333 LEE PARKWAY, STE 900 DALLAS, TX 75219 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $291 | — | $291 | 2.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF MINNEAPOLIS | 80 S 8TH STREET, IDS CENTER #700 MINNEAPOLIS, MN 55402 | EMPLOYEE & FAMILY RESOURCES, INC. | $235 | — | $235 | 5.00% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WELLMARK, INC. | 96 | $1.3M |
| Dental | DELTA DENTAL OF IOWA | 65 | $45K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 96 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $44K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $44K |
| Prescription drug | WELLMARK, INC. | 96 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.