| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE CO | $1K | — | $1K | 10.49% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE CO | $578 | — | $578 | 4.99% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE CO | $747 | — | $747 | 9.22% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE CO | $534 | — | $534 | 6.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE CO | $1K | — | $1K | 17.98% |
| TIC INC3 Filed as: TIC, INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE CO | $388 | — | $388 | 5.85% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE CO | 38 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38 | — |
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.