| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN INC | $254K | — | $254K | 2.99% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $84K | $15K | $99K | 16.03% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15K | $15K | 2.42% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $2K | $30K | 16.32% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE | $16K | — | $16K | 9.26% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $2K | $23K | 16.17% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 2.99% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 21.56% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.90% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $1K | — | $1K | 2.75% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 21.63% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.85% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $850 | $7K | 21.71% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 3010 BRIARPARK DRIVE SUITE 8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $916 | $916 | 2.90% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $3K | $860 | $4K | 14.02% |
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 | 1,784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,098 | $8.9M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $9K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 1,862 | $180K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,784 | $627K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,339 | $143K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 453 | $187K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,098 | $8.7M |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,784 | $855K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,862 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.