| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS OF MINNESOTA | 80 S 8TH STREET IDS CENTER MINNEAPOLIS, MN 55402 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $19K | — | $19K | 1.56% |
| 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 | $1K | $673 | $2K | 4.36% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | DELTA DENTAL OF IOWA | $831 | — | $831 | 2.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF MINNESOTA | 80 SOUTH 8TH STREET IDS CENTER MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $518 | $495 | $1K | 9.63% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $639 | — | $639 | 6.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF MINNESOTA | 80 SOUTH 8TH STREET IDS CENTER MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $742 | $461 | $1K | 11.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | ATTN OPERATING ACCOUNT P.O. BOX 441 DES MOINES, IA 50302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $807 | — | $807 | 7.81% |
| SELECT NETWORKS3 | 317 6TH DES MOINES, IA 50309 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 12.19% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 3333 LEE PARKWAY, SUITE 900 DALLAS, TX 75219 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $483 | — | $483 | 4.96% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $352 | — | $352 | 3.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF MINNEAPOLIS | 80 S 8TH STREET IDS CENTER #700 MINNEAPOLIS, MN 55402 | EMPLOYEE & FAMILY RESOURCES, INC. | $169 | — | $169 | 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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 71 | $1.2M |
| Dental | DELTA DENTAL OF IOWA | 56 | $41K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 92 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $11K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $10K |
| Prescription drug | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 71 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $14K |
| 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."
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.