| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $28K | $9K | $36K | 13.45% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 9.53% |
| HAYS COMPANIES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 1020 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$84 | $0 | -$84 | -0.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 721 EMERSON ROAD, SUITE 400 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$1K | $0 | -$1K | -0.95% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 11.10% |
| BONNIE H DROBNES3 Filed as: BONNIE H. DROBNES | 203 GLENEAGLES COURT BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.19% |
| NICHOLAS C BENNIS3 Filed as: NICHOLAS C. BENNIS | 510 FILBERT ROAD ORELAND, PA 19075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.73% |
| CLAY E. JOHNSON3 | 740 SIX MILE BOARD ROAD BELVIDERE, TN 37306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $860 | $0 | $860 | 1.10% |
| MICHAEL HECHT3 | 3301 ELLINGTON LANE PHEONIXVILLE, PA 19460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $745 | $0 | $745 | 0.95% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERO, PA 19355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $725 | $0 | $725 | 0.93% |
| JENNIFER N. JOHNSON | 740 SIX MILE BOARD ROAD BELVIDERE, TN 37306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $652 | $0 | $652 | 0.83% |
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 | 595 | 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) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIRMEDCARE NETWORK | 595 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 509 | $120K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 595 | $271K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 595 | $271K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 595 | $271K |
| Other(7 contracts, 7 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 595 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.