| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 1.37% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $946 | $1K | $2K | 0.95% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $299 | $299 | 0.23% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARTON | 8750 N CENTRAL EXPRESSWAY DALLAS, TX 75231 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 10.16% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DR. FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $707 | $2K | 7.56% |
| CRAIG LEE KREUTZER3 | 1112 WILSON DRIVE LANTANA, TX 76226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $261 | $1K | 5.30% |
| VIRGINIA LEDER-CLARK3 | 4513 BRINDLE WAY FLOWER MOUND, TX 75028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $597 | $164 | $761 | 2.85% |
| CALVIN DEAN INGLE3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.45% |
| JENNIFER RICHARDS3 | 2601 SCOTT AVE FORT WORTH, TX 76103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.24% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.09% |
| JEFFERY BELFOURE3 | 2601 SCOTT AVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $27K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 847 | $227K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 243 | $30K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $128K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $128K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $128K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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."
No prospect flags tripped on this filing.