| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SUN LIFE AND HEALTH INSURANCE COMPANY | $56K | $10K | $65K | 12.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 870 13TH ST IMPERIAL BEACH, CA 91932 | SUN LIFE AND HEALTH INSURANCE COMPANY | $41K | $4K | $45K | 27.73% |
| LIAZON BENEFITS INC | 199 SCOTT ST 8TH FLR BUFFALO, NY 14204 | SUN LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 3.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1350 BAYSHORE HWY STE 218 BURLINGHAME, CA 94010 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $77 | $6K | 8.49% |
| RUEBEN WARNER ASSOCIATES, INC. Filed as: RUEBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | AIG PROPERTY CASUALTY US | $2K | — | $2K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $600 | $144 | $744 | 6.68% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $162 | $2K | 15.40% |
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 | 1,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,306 | $174K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,306 | $524K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 798 | $512K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 798 | $512K |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 1,306 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,306 | — |
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.