| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | $12K | $26K | 10.64% |
| HAYS COMPANIES, INC.3 | 1500 BROADWAY, 21ST FLOOR SUITE 700 NEW YORK, NY 10036 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $8K | 8.00% |
| HAYS COMPANIES, INC.3 | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.00% |
| BONNIE H DROBNES3 Filed as: BONNIE HECHT DROBNES | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.73% |
| LISA ENERSON3 Filed as: LISA MARIE ENERSON AND OTHER AGENTS | 411 GROVE STREET HUDSON, MI 49247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $601 | $0 | $601 | 1.46% |
| BRIAN K. MCCALL3 | 24 CROSSPARK DRIVE MANCHESTER, TN 37355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | $0 | $447 | 1.09% |
| CLAY E. JOHNSON3 | 928 LONGWOOD BLUFFS CIRCLE MURRELLS INLET, SC 29576 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | $0 | $151 | 0.37% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE, SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | $0 | $131 | 0.32% |
| MICHEAL HECHT3 | 3301 ELLINGTON LANE PHOENIXVILLE, PA 19460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.23% |
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 | 434 | 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) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIRMEDCARE NETWORK | 434 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $99K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 518 | $242K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 518 | $242K |
| Other(7 contracts, 7 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 598 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.