| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | $89K | $118K | 5.71% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | NEIGHBORHOOD HEALTH PARTNERSHIP | — | $99K | $99K | 6.91% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $8K | $37K | 18.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $72 | $4K | 2.81% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $133 | $2K | 1.36% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT. DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $515 | — | $515 | 0.34% |
| GINA MARIE MARTINEZ3 Filed as: GINA MARTINEZ | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | $64 | $491 | 0.32% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | $9 | $437 | 0.28% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG SOTTILE | 324 BROOKLAND WAY WEST COLUMBIA, SC 29169 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $59 | $252 | 0.16% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | — | $239 | 0.16% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLLING RD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 0.12% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR. IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $35 | $176 | 0.11% |
| TIMOTHY J REED3 Filed as: TIMOTHY REED | 21 AZALEA DR. LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $2 | $143 | 0.09% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARMS DR. DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $32 | $142 | 0.09% |
| HOWARD HOROWITZ3 | 2610 ALCOTT ST. CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $9 | $132 | 0.09% |
| STALTARE BENEFITS INC3 | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.08% |
| ADRIANNA MICHELLE THORVALDSON3 Filed as: ADRIANNA THORVALDSON | 6727 FORMOSA DR. COLUMBIA, SC 29206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.07% |
| LOURDES PRICE3 | 16002 SW 73RD ST. MIAMI, FL 33193 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.06% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN RD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.05% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.04% |
| CORY JOSEPH FANECA3 Filed as: CORY FANECA | 3308 50TH AVE E BRADENTON, FL 34203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.04% |
| MARIA KADALA3 | 1830 N UNIVERSITY DR PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.04% |
| GRAEM M CLARK3 Filed as: GRAEM CLARK | 589 WINDMERE CT LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $16 | $57 | 0.04% |
| CANDICE KLEE3 | 2760 NE 16TH AVE. POMPANO BEACH, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.03% |
| JOSEPH WILLIAM BAKER3 Filed as: JOSEPH BAKER | 12975 SW 190 TERR MIAMI, FL 33177 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| LESLIE BRERETON3 | 2125 NE 63RD CT FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| THEODORE MCGONIGAL3 | 7451 S. ARAGON BLVD. SUNRISE, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| DENNIS L HUMPHREY3 Filed as: DENNIS HUMPHREY | 3114 BROOKHAVEN CT DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $2 | $10 | 0.01% |
| ARIADNE DE BASABE-MACHICHE3 Filed as: ARIADNE BASABE-MACHICHE | 1825 KINGSFORD DR CORONA, CA 92880 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| LAURIE L SMITH3 Filed as: LAURIE BURNS | 303 PLYLER RD. INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| WILLIAM COVINGTON3 | 1106 BROOKHOLLOW DR. DEER PARK, TX 77536 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| BRAD BIEL3 | 2 GOLD ST. NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| KENNETH B BOYLES3 Filed as: KENNETH BOYLES | PO BOX 7120 THE WOODLANDS, TX 77387 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| THE WORKSITE GROUP LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| BRUCE D AKERS3 Filed as: BRUCE AKERS | 2383 CALYPSO LN. LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DESHALL INC.3 | 2481 NW 15TH ST. FORT LAUDERDALE, FL 33311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOHN D EVANGELISTA3 Filed as: JOHN EVANGELISTA | 26111 ANTONIO PKY. RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | THE PAUL REVERE LIFE INSURANCE COMPANY | $65 | — | $65 | 2.32% |
| TIMOTHY J REED3 Filed as: TIMOTHY REED | 21 AZALEA DR. LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $28 | — | $28 | 1.00% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT. DANIA BEACH, FL 33004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.64% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.36% |
| GINA MARIE MARTINEZ3 Filed as: GINA MARTINEZ | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.18% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PL. MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.14% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 16214 102ND WAY S BOCA RATON, FL 33498 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| WENDY BIEL3 | 1257 CROSSBILL CT. WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 1301 GERVAIS ST. COLUMBIA, SC 29201 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| GRAEM M CLARK3 Filed as: GRAEM CLARK | 589 WINDMERE DR. LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 718 | $3.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 718 | $2.1M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 718 | $2.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $196K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $196K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $196K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 718 | $3.5M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.