| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 80TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | $11K | $26K | 10.96% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 80TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 6.10% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 80TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $709 | $0 | $709 | 2.14% |
| BONNIE H DROBNES3 Filed as: BONNIE H. DROBNES | 203 GLENEAGLES CORT BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $241 | $0 | $241 | 0.73% |
| NOLAND D. MCCUE AND OTHER AGENTS3 | 242 HERITAGE PARK DRIVE, SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | $0 | $199 | 0.60% |
| CLAY E. JOHNSON3 | 928 LONGWOOD BLUFFS CIRCLE MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.25% |
| MICHAEL HECHT3 | 3301 ELLINGTON LANE PHOENIXVILLE, PA 19460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.17% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 Filed as: MAIN LINE BENEFIT SOLUTIONS, LLC | 1405 LARKSPUR LANE MALVERO, PA 19355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | $0 | $54 | 0.16% |
| JENNIFER N. JOHNSON3 | 740 SIX MILE BOARD ROAD BELVIDERE, TN 37306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.09% |
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 | 558 | 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) | 558 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIRMEDCARE NETWORK | 558 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 459 | $77K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 558 | $233K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 558 | $233K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 558 | $233K |
| Other(6 contracts, 6 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 558 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.