| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 800 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 7.23% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $60 | $60 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 5850 GRANITE PKWY STE 350 PLANO, TX 750246762 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 9.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 800 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $415 | $0 | $415 | 0.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH EIGHT STREET SUITE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE | — | — | $0 | 0.00% |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 6 | $52K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 6 | $52K |
| Vision | EYEMED VISION CARE | 481 | $25K |
| Life insurance(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 318 | $359K |
| Short-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 318 | $359K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 318 | $308K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 6 | $52K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 318 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.