| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 3.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S. 8TH ST. #700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLANS, INC. | $4K | — | $4K | 1.90% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 5800 GRANITE PKWY. SUITE 350 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 18201 VON KARMAN AVENUE STE 1020 IRVINE, CA 92612 | GUARDIAN LIFE INSURANCE COMPANY | $22K | — | $22K | — |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 285 | $0 |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $2.1M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 285 | $0 |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 285 | $0 |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 285 | $0 |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $2.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.