| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 NORTH PIMA ROAD, SUITE 210 1ST FLOOR SCOTTSDALE, AZ 85225 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - MN | 80 SOUTH 8TH STREET #700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $938 | $954 | $2K | 0.84% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF STL | 10691 SWINGLEY RIDGE ROAD CHESTERFIELD, MO 63017 | DELTA DENTAL OF MISSOURI | $183 | — | $183 | 0.08% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $19K | 16.94% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 10.33% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - MN | 80 S 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | ADVANTICA INSURANCE COMPANY | $4K | $149 | $4K | 11.18% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $596 | $242 | $838 | 13.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC EIN 33-0441200 PHARMACY BENEFIT MANAGEM | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $942K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $68K |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 715 | $225K |
| Vision | ADVANTICA INSURANCE COMPANY | 535 | $37K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 360 | $633K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $53K |
| Stop-loss / reinsurancereinsurance | STEALTH PARTNER | 320 | $523K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 715 | — |
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.