| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107K | — | $107K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 1.15% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 1.36% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 16091 SWINGLEY RIDGE RD, STE 160 CHESTERFIELD, MO 63017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 16091 SWINGLEY RIDGE RD, STE 160 CHESTERFIELD, MO 63017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1650 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $2K | $2K | 15.00% |
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 | 4,085 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNIVERSITY HEALTH ALLIANCE | 4,300 | $990K |
| Dental(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 56 | $911K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 11,130 | $967K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,106 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,105 | $524K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 56 | $661K |
| Other(5 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,300 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,130 | — |
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.