| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 16.84% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | DEABORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.38% |
| CHARLES A SCHOOLFIELD3 Filed as: CHARLES D LEATHAM | 80TH S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | DEABORN NATIONAL LIFE INSURANCE COMPANY | $0 | $291 | $291 | 0.14% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| DIRECT BENEFITS INC3 Filed as: DIRECT BENEFITS | 325 CEDAR STREET ST. PAUL, MN 55101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.99% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN INSURANCE SERVICES | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $5K | $172 | $6K | 20.65% |
| NORIDIAN INSURANCE SERVICES INC3 | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $4K | — | $4K | 16.70% |
| NORIDIAN INSURANCE SERVICES INC3 | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $4K | — | $4K | 23.90% |
| NORIDIAN INSURANCE SERVICES INC3 | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE | $276 | — | $276 | 16.12% |
| NORIDIAN INSURANCE SERVICES INC3 | ATTN CARI HINTGEN 4510 13TH AVE SW FARGO, ND 58121 | USABLE LIFE | $4 | — | $4 | 0.86% |
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 | 751 | 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) | 751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DEABORN NATIONAL LIFE INSURANCE COMPANY | 266 | $204K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 396 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 751 | $237K |
| Short-term disability | USABLE LIFE | 34 | $27K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 751 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.