| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 2301 ROSECRANCS AVE STE 4130 EL SEGUNDO, CA 90245 | UNITED HEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 4.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 21250 HAWTHORNE BLVD STE 600 TORRANCE, CA 90503 | UNITED HEALTHCARE INSURANCE COMPANY | -$48 | — | -$48 | -0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.92% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF CALIFORNIA INSURANCE SERVIC | NCB-88 MINNEAPOLIS, MN 554801414 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $2K | $0 | $2K | 10.76% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $388 | $0 | $388 | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $275 | $0 | $275 | 10.00% |
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 | 141 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 247 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $135K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 224 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 32 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.