| 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 | $14K | $9K | $23K | 10.10% |
| HAYS COMPANIES, INC.3 | 257 EAST 200 SOUTH, SUITE 700 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.23% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $963 | $0 | $963 | — |
| BONNIE H DROBNES3 Filed as: BONNIE H. DROBNES | 203 GLENEAGLES COURT BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $340 | $0 | $340 | — |
| LISA ENERSON3 Filed as: LISA EMERSON AND OTHER AGENTS | 411 GROVE STREET HUDSON, MI 49247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | $0 | $242 | — |
| CLAY E. JOHNSON3 | 928 LONGWOOD BLUFFS CIRCLE MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | $0 | $114 | — |
| JENNIFER N. JOHNSON3 | 740 SIX MILE BOARD ROAD BELVIDERE, TN 37306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | $0 | $88 | — |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS, LLC | 1405 LARKSPUR LANE MALVERO, PA 19355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | — |
| MICHAEL HECHT3 | 3301 ELLINGTON LANE PHOENIXVILLE, PA 19460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | — |
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 | 549 | 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) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIRMEDCARE NETWORK | 549 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $73K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 549 | $232K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 549 | $232K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 549 | $232K |
| Other(7 contracts, 7 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 549 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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.