| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 12.51% |
| AMERICAN WORKSITE INSURANCE MKTG3 | 1365 WEST VISTA WAY, STE. 201 VISTA, CA 92083 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.13% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | BENEFITS TECHNOLOGIES DIV 06, LLC 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE COMPANY | $641 | — | $641 | 1.10% |
| JAMES BARRETT3 | 8360 E CACTUS WREN RD SCOTTSDALE, AZ 85250 | TRANSAMERICA LIFE INSURANCE COMPANY | $238 | — | $238 | 0.41% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.51% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 32.90% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.51% |
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 | 446 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $32K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,126 | $48K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $185K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $150K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $154K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,126 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.