| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP OF ILLINOIS LLC | 1 S. WACKER DR, SUITE 3350 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $4K | $4K | 0.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | PO BOX 2480 DAYTONA BEACH, FL 321152480 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 2.21% |
| HAYS COMPANIES, INC.4 Filed as: HAYS COMPANIES | 80 S 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WATCHTOWER TECHNOLOGIES INC0 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $244 | $244 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST # 1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $151 | $151 | 0.93% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 6230 FAIRVIEW RD STE 210 CHARLOTTE, NC 28210 | TRANSAMERICA | $5K | $0 | $5K | — |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA | $2K | $0 | $2K | — |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD, STE 100 MILWAUKEE, WI 53226 | TRANSAMERICA | $605 | $0 | $605 | — |
| DARCI LEWIS3 | 822 SUNNING DALE CT WINTER HAVEN, FL 33881 | TRANSAMERICA | $376 | $0 | $376 | — |
| MIDWEST SELECT INSURANCE GROUP LLC3 | 1431 O'KEEFE AVE KRONENWETTER, WI 54455 | TRANSAMERICA | $46 | $0 | $46 | — |
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 | 540 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 540 | $3.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $205K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $205K |
| Life insurance(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 503 | $124K |
| Short-term disability | TRANSAMERICA | 217 | $0 |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 104 | $108K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 503 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.