| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MD 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MD 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | COLOINAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $151 | $5K | 8.14% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLOINAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 7.05% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLOINAL LIFE AND ACCIDENT INSURANCE COMPANY | $795 | $67 | $862 | 1.38% |
| GUSTAVO TODE3 | 20607 DUCK POND PLACE GERMANTOWN, MD 20874 | COLOINAL LIFE AND ACCIDENT INSURANCE COMPANY | $809 | $25 | $834 | 1.34% |
| ERNESTO MCKENZIE JR3 Filed as: ERNESTO MCKENZIE JR. | 8293 WB AND A ROAD SEVERN, MD 21144 | COLOINAL LIFE AND ACCIDENT INSURANCE COMPANY | $528 | $0 | $528 | 0.85% |
| MJ INSURANCE3 Filed as: TRACEY MATZ AND VARIOUS AGENTS | 2036 MARDIC DRIVE FOREST HILL, MD 21043 | COLOINAL LIFE AND ACCIDENT INSURANCE COMPANY | $245 | $3 | $248 | 0.40% |
| MONICA CHICAS3 | 4204 29TH STREET MOUNT RAINIER, MD 20712 | COLOINAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 0.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MD 55402 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.93% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 262 | $98K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 270 | $19K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 196 | $138K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 196 | $138K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 196 | $138K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 196 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.