| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE OF AMERICA | $198K | $198K | $396K | 10.00% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST, STE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $21K | $2K | $23K | 10.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $3K | — | $3K | 1.23% |
| BENEFITFOCUS.COM, INC.3 | DEPT. 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | METLIFE LEGAL PLANS | $0 | $272 | $272 | 0.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80TH S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | 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 | 13,506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 678 | $2.5M |
| Vision | VISION SERVICE PLAN | 6,017 | $559K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 15,593 | $4.4M |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 15,593 | $4.0M |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 15,593 | $4.0M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 678 | $2.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE OF AMERICA | 15,593 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,593 | — |
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.