| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $52 | $9K | 11.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $52 | $4K | 5.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $437 | $437 | 0.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $52 | $6K | 11.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $52 | $3K | 5.35% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $317 | $317 | 0.56% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $45 | $1K | 9.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $469 | $54 | $523 | 4.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $74 | $74 | 0.59% |
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 | 677 | 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) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 677 | $146K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 677 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.