| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 3.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 7.89% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $7K | $18K | 13.09% |
| AON CONSULTING INC3 | 1111 METROPOLITAN AVENUE CHARLOTTE, NC 28204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.74% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $101 | $101 | 0.07% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | VARIOUS AGENTS POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $314 | $5K | 11.38% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANY | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | PHYSICIANS EYECARE PLAN | $2K | — | $2K | 6.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1111 METROPOLITAN AVENUE SUITE 400 CHARLOTTE, NC 28204 | PHYSICIANS EYECARE PLAN | $812 | — | $812 | 3.46% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $144K |
| Vision | PHYSICIANS EYECARE PLAN | 286 | $23K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 277 | $182K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 277 | $182K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 277 | $138K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 226 | $1.3M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 277 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.