| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $17K | $21K | $38K | 7.59% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | IDS CENTER 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $28K | — | $28K | 5.71% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $23K | — | $23K | 4.56% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $18K | $8K | $26K | 19.47% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | IDS CENTER 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $17K | — | $17K | 12.31% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $7K | — | $7K | 5.11% |
| HAYS COMPANIES, INC.3 | 1350 BAYSHORE HWY STE 218 BURLINGHAME, CA 94010 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $37 | $7K | 10.98% |
| LIAZON BENEFITS INC5 | 199 SCOTT STREET FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.95% |
| HAYS COMPANIES, INC.3 | 8O S 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $812 | $812 | 1.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVE STATEN ISLAND, NY 103142157 | AIG PROPERTY CASUALTY, U.S. | — | $2K | $2K | 15.00% |
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 | 612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 171 | $135K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 531 | $59K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,020 | $497K |
| Short-term disability(2 contracts) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,020 | $497K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,020 | $497K |
| Other | AIG PROPERTY CASUALTY, U.S. | 1,020 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.