| 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 | RELIASTAR LIFE INSURANCE COMPANY | $195K | — | $195K | 7.60% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $17K | $15 | $17K | 2.75% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | STE 1304 40 WALL STREET NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42K | $34K | $76K | 19.73% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $10K | $32K | 8.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TN 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $12K | $12K | 3.21% |
| TOTAL PACKAGE PARTNERS INC3 | 600 W GERMANTOWN PIKE ST. PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $57 | $131 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | HYATT LEGAL PLANS | $11K | $2K | $13K | 11.49% |
| 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 | $9K | — | $9K | 10.95% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $4K | $15K | 43.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 8000 NORMAN CENTER DR. STE 400 BLOOMINGTON, MN 55437 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $616 | — | $616 | 1.71% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST. STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $73 | $187 | 0.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $19 | $19 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP INC. | 40 WALL ST. STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 16.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $963 | $117 | $1K | 4.24% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $401 | $401 | 1.57% |
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 | 3,806 | 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) | 3,806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,361 | $607K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,449 | $2.6M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 6,449 | $2.6M |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 6,449 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,449 | — |
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.