| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF ILLINOIS LLC | ONE S WACKER DR STE 3350 CHICAGO, IL 60606 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | $40 | $1K | 5.08% |
| HINRICHS, TRACEY3 | SUITE Q 7182 LIBERTY CENTRE DRIVE WEST CHESTER, OH 450696585 | KANAWHA INSURANCE COMPANY | $2K | $111 | $2K | 10.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | KANAWHA INSURANCE COMPANY | $337 | — | $337 | 1.49% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF ILLINOIS, LLC | 1 S WACKER DR STE 3350 CHICAGO, IL 606064639 | KANAWHA INSURANCE COMPANY | $265 | — | $265 | 1.17% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC-GA | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303395946 | KANAWHA INSURANCE COMPANY | $173 | $82 | $255 | 1.13% |
| HUMANA MARKETPOINT INC3 | 500 W MAIN NCT 28 LOUISVILLE, KY 402022946 | KANAWHA INSURANCE COMPANY | $71 | — | $71 | 0.31% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KANAWHA INSURANCE COMPANY | 47 | $23K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 47 | $23K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 124 | $28K |
| Other | KANAWHA INSURANCE COMPANY | 47 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.