| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL INSURANCE COMPANY | $64K | — | $64K | 3.96% |
| INTEGRO INSURANCE BROKERS3 | PO BOX 6180 CAROL STREAM, IL 60197 | DELTA DENTAL INSURANCE COMPANY | $33K | — | $33K | 2.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | PRINCIPAL LIFE INSURANCE COMPANY | $142K | — | $142K | 9.46% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 601976180 | PRINCIPAL LIFE INSURANCE COMPANY | $93K | — | $93K | 6.16% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SVCS. GP. LLC | 1120 SANCTUARY PKY. STE. 375 ALPHARETTA, GA 300097630 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 0.72% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 601976180 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137K | — | $137K | 70.56% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.70% |
| INTEGRO INSURANCE BROKERS3 Filed as: CLEARVIEW GROUP-INTEGRO USA | PO BOX 6180 CAROL STREAM, IL 601976180 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.28% |
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 | 2,603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,663 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 392 | $194K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,555 | $1.6M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 4,054 | $185K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,644 | $1.5M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,644 | $1.5M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,644 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,555 | — |
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.