| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 9.21% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 8.55% |
| SANDRA VELAZQUEZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 7.48% |
| MARIROSY GONZALEZ3 | 2200 SOUTHWEST 4TH AVENUE MIAMI, FL 33129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 3.71% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 3.53% |
| CHRISTINA MARIA ORTIZ3 | 3530 WEST GLENCOE ST MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 3.49% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN SANCHEZ-MEDINA | 6100 SOUTHWEST 44 TERRACE MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 2.16% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | SOLUTIONS LLC 3696 N. FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.04% |
| MICHAEL K PORTER3 Filed as: MICHAEL KELLEY PORTER | 4000 HOLLYWOOD BLVD SUITE 555-S HOLLYWOOD, FL 33021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.49% |
| AIMEE CECILIA CABRERA3 | 11866 SOUTHWEST 97 TERRACE MIAMI, FL 33186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $901 | $0 | $901 | 0.41% |
| NATALIA DURAN GUZMAN3 | 1945 SOUTHWEST 25TH TERRACE MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $735 | $0 | $735 | 0.34% |
| MARIA C ORTIZ3 Filed as: MARIA CHRISTINA ORTIZ | 3530 WEST GLENCOE STREET MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $192 | $0 | $192 | 0.09% |
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 | 620 | 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) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 919 | $350K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 919 | $324K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 764 | $328K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 764 | $328K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 764 | $328K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 764 | $545K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 919 | — |
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.