| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH SREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $53K | $53K | 1.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $37 | $37 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 554022105 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $28 | $0 | $28 | 0.06% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 11325 N. COMMUNITY HOUSE RD. CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $759 | $0 | $759 | 1.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 11325 N. COMMUNITY HOUSE RD. CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $756 | $0 | $756 | 2.58% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 11325 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $321 | $0 | $321 | 1.45% |
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 | 633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 605 | $2.8M |
| Dental | DELTA DENTAL OF VIRGINIA | 730 | $218K |
| Vision | VISION SERVICE PLAN | 421 | $48K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 677 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $29K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 605 | $2.8M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 677 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.