| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST #700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $24K | — | $24K | 4.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731296 | DELTA DENTAL OF MISSOURI | $12K | — | $12K | 2.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST #700 MINNEAPOLIS, MN 554022105 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 2.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 1.93% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.38% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.54% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST #700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $4K | — | $4K | 3.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 1.31% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.55% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BNFT PROGRAMS INC | 897 12TH ST HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $964 | $15K | 19.22% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS CENTRAL INC | PO BOX 955909 ST. LOUIS, MO 63195 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 9.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST. MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.38% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST #700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.80% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $489 | $2K | 5.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $104 | $104 | 1.46% |
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 | 905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 164 | $456K |
| Dental | DELTA DENTAL OF MISSOURI | 1,349 | $548K |
| Vision | VISION SERVICE PLAN | 601 | $103K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,467 | $288K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 595 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 905 | $110K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,467 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,467 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.