| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $27K | $94K | 6.98% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 400 HWY 169 S ST. LOUIS PARK, MN 55426 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $171 | $60 | $231 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $13K | $75K | 13.04% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/ | SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $16K | $55K | 25.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERV INC | 1250 CAPITAL OF TX HIGHWAY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $14K | $14K | 6.34% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $4K | $5K | 2.53% |
| AGIS NETWORK INC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $17K | 11.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 11.83% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $280 | $25 | $305 | 0.22% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | D/B/A HAYS COMPANIES 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55014 | HYATT LEGAL PLANS | $14K | $859 | $14K | 10.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO OF CA INSURANCE SERVICE | 11017 COBBLEROCK DRIVE #100 RACHO CORDOVA, CA 95670 | HYATT LEGAL PLANS | — | $154 | $154 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 19406 | HYATT LEGAL PLANS | — | $27 | $27 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.11% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | — | PROVIDENT LIFE AND ACCIDENTAL INSURANCE COMPANY | $7K | — | $7K | 16.16% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | — | PROVIDENT LIFE AND ACCIDENTAL INSURANCE COMPANY | $2K | $1K | $3K | 7.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 400 HWY 169 S ST. LOUIS PARK, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $9 | $27 | $36 | 22.78% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $12 | $18 | $30 | 18.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 1.27% |
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 | 3,726 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,510 | $440K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,726 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,726 | $1.4M |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,726 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,726 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.