| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 2.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS OF CALIFORNIA | 2 PARK PLAZA STE 440 IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $756 | $19K | 0.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2 PARK PLAZA STE 440 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2 PARK PLAZA STE 440 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2 PARK PLAZA STE 440 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $649 | $0 | $649 | 9.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2 PARK PLAZA STE 440 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $601 | $0 | $601 | 9.99% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 245 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 73 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 57 | $27K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 245 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.