| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.08% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 340 COLUMBIA ST SOUTH BEND, IN 46601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $903 | $3K | 8.45% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.42% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 340 COLUMBIA ST SOUTH BEND, IN 466012339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $574 | $429 | $1K | 6.26% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 340 COLUMBIA ST SOUTH BEND, IN 46601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $323 | $232 | $555 | 6.08% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $159 | — | $159 | 1.74% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 340 COLUMBIA ST SOUTH BEND, IN 46601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $122 | $135 | $257 | 5.26% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $60 | — | $60 | 1.23% |
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 | 240 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 196 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $5K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.