| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $30K | $8K | $37K | 16.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $28K | $6K | $34K | 18.34% |
| HAYS COMPANIES, INC.3 | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $7K | — | $7K | 10.08% |
| AMERICAN WORKSITE INSURANCE MKTG3 | 1365 WEST VISTA WAY, STE. 201 VISTA, CA 92083 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.90% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | BENEFITS TECHNOLOGIES DIV 06, LLC 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE COMPANY | $281 | — | $281 | 0.91% |
| JAMES BARRETT3 | 8360 E CACTUS WREN RD SCOTTSDALE, AZ 85250 | TRANSAMERICA LIFE INSURANCE COMPANY | $82 | — | $82 | 0.26% |
| HAYS COMPANIES, INC.3 | 80 S ST. SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 19.99% |
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 | 609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 547 | $73K |
| Life insurance | STANDARD INSURANCE COMPANY | 609 | $221K |
| Long-term disability | STANDARD INSURANCE COMPANY | 609 | $185K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 65 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.