| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSUANCE COMPANY AND AFFILIATES | $107K | $0 | $107K | 2.41% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSUANCE COMPANY AND AFFILIATES | $53K | $0 | $53K | 1.18% |
| HAYS COMPANIES, INC.3 | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSUANCE COMPANY AND AFFILIATES | -$244 | $2K | $2K | 0.04% |
| HAYS COMPANIES, INC.3 | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLAN INC | $33K | $0 | $33K | 2.64% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY COMPANY INS BROKERS | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 0.85% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS OF CALIFORNIA | $16K | $0 | $16K | 7.34% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $6K | $0 | $6K | 2.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 104 MANASSAS, VA 20109 | BLUE CROSS OF CALIFORNIA | $0 | $3K | $3K | 1.58% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.23% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY COMPANY INS BROKERS | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $491 | $0 | $491 | 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 | 432 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSUANCE COMPANY AND AFFILIATES | 344 | $5.7M |
| Dental | CIGNA HEALTH AND LIFE INSUANCE COMPANY AND AFFILIATES | 344 | $4.4M |
| Vision | VISION SERVICE PLAN | 338 | $31K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 432 | $220K |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 432 | $220K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 432 | $220K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSUANCE COMPANY AND AFFILIATES | 344 | $5.7M |
| Other | BLUE CROSS OF CALIFORNIA | 432 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.