| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $22K | $0 | $22K | 1.67% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | WELLMARK HEALTH PLAN OF IOWA | $10K | $0 | $10K | 1.44% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 554022105 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 554022105 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 554022105 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 554022105 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.90% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP, LLC | 80 S 8TH STREET EDS CENTER SUITE 700 MINNEAPOLIS, MN 55402 | VERATRUS BUSINESS SOLUTIONS | $2K | $0 | $2K | 10.00% |
| LA MAIR MULOCK CONDON CO.3 Filed as: LA MAIR-MULOCK-CONDON | 4200 UNIVERSITY AVE. SUITE 200 WEST DES MOINES, IA 502665945 | FEDERAL INSURANCE COMPANY | $678 | $0 | $678 | 16.74% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP, LLC | 80 S. 8TH STREET SUITE 700 MINNEAPLOIS, MN 55402 | DELTA DENTAL OF IOWA | $5K | $1K | $6K | — |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 125 | $2.0M |
| Dental | DELTA DENTAL OF IOWA | 185 | $0 |
| Vision | VERATRUS BUSINESS SOLUTIONS | 158 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 201 | $93K |
| Long-term disability | STANDARD INSURANCE COMPANY | 201 | $52K |
| Prescription drug(2 contracts, 2 carriers) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 125 | $2.0M |
| Other | FEDERAL INSURANCE COMPANY | 203 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.