| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST #700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF MISSOURI | $36K | — | $36K | 1.53% |
| HAYS COMPANIES, INC.3 | 80 SO. 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $333K | $117K | $450K | 27.03% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 2.01% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $899 | $899 | 0.05% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST #700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $5K | — | $5K | 1.87% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | VISION SERVICE PLAN | $4K | — | $4K | 1.51% |
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 | 4,177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF HAWAII | 16 | $142K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 6,746 | $2.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,779 | $395K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,177 | $1.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,177 | $1.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,177 | $1.7M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,177 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,746 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.