| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $2K | $59K | $61K | 5.98% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | CAREFIRST BLUECHOICE, INC. | $1K | $43K | $45K | 5.98% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 7.82% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLANS, INC. | $3K | — | $3K | 1.90% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 14.88% |
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 | 494 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 400 | $1.8M |
| Dental(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 400 | $1.8M |
| Vision(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 400 | $1.8M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 494 | $189K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 494 | $189K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 494 | $189K |
| Prescription drug(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 400 | $1.8M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 494 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.