| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1125 17TH ST STE 1710 DENVER, CO 80202 | HARTFORD LIFE & ACCIDENT | $26K | — | $26K | 2.73% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | HARTFORD LIFE & ACCIDENT | $6K | — | $6K | 0.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | -$490 | $3K | $3K | 2.94% |
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 | 790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 549 | $108K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 975 | $1.0M |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 975 | $948K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 975 | $948K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 975 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 975 | — |
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."
No prospect flags tripped on this filing.