| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLANS, INC. | $39K | — | $39K | 3.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | PRINCIPAL LIFE INRUANCE COMPANY | $28K | — | $28K | 8.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | MUTUAL OF OMAHA INSURANCE COMPANY | $11K | $8K | $19K | 16.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | EYEMED VISION CARE | $9K | — | $9K | 10.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | $5K | $13K | 17.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | CALIFORNIA DENTAL NETWORK, INC. | $6K | — | $6K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $3K | $7K | 16.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $3K | $7K | 17.48% |
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 | 647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLANS, INC. | 306 | $1.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INRUANCE COMPANY | 699 | $417K |
| Vision | EYEMED VISION CARE | 1,021 | $81K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 777 | $41K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 157 | $41K |
| Prescription drug | KAISER FOUNDATION HEALTH PLANS, INC. | 306 | $1.3M |
| Other(3 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 777 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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.