| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE COMPANY | $51K | $8K | $59K | 7.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 15 W. SOUTH TAMPLE, STE. 700 SALT LAKE CITY, UT 84101 | AETNA LIFE INSURANCE COMPANY | — | $173 | $173 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | — | $42K | 6.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | -$553 | -$2K | -0.37% |
| KATHLEEN L PLEGER3 Filed as: KATHLEEN PFLEGER | 5320 WHISPERING OAKS PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.86% |
| CHRISTINA L MALOVANY3 Filed as: CHRISTINA MALOVANY | 1056 WOODHILL CT. ELGIN, IL 60120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | — | $469 | 1.31% |
| MARCIN ZUREK3 | 15419 W. 127TH ST. LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $443 | — | $443 | 1.24% |
| LAURA-MICHELE POUST3 | 490 E. ROOSEVELT RD. STE. 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $436 | — | $436 | 1.22% |
| THERESA REDDING3 | 71 COUNTRY CLUB DR. BLOOMINGDALE, IL 60108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $381 | — | $381 | 1.06% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 E. ROOSEVELT RD., STE. 203 W. CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $381 | — | $381 | 1.06% |
| WAYNE BALL3 | 5630 STAR DR. HANOVER PARK, IL 60133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | — | $236 | 0.66% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE AND ASSOCIATES | 7325 JANES AVE. WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | — | $203 | 0.57% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JAMES AVE. WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 0.50% |
| KELLY HILL3 | 7946 WHITE FALLS RENO, NV 89506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.24% |
| HELEN MENDEZ3 | 2175 TIMESCAPE CT. LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.21% |
| JEANNINE CAPPUSO3 | 8600 HIDDEN RIVER PKWY., STE. 75 TAMPA, FL 33637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.12% |
| KNUTE NELSON3 | 5650 W. 36TH ST., STE. 425 ST. LOUIS PARK, MN 55416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.09% |
| TIMOTHY ASBY3 | 9247 N. MERIDIAN ST., STE. 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR. STE. 101 CRANBERRY TOWNSHIP, PA 16066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| JACQUELINE CASTRO3 | 1133 N. DEARBORN ST. CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| JOSEPH P CALARCO3 Filed as: JOSEPH NASCA | 28081 W. MAPLE AVE. BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| TODD DEVOSS3 | 321 N. CLARK ST. STE. 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| LES HEINSEN INS SERVICES INC3 | 193 BLUE RAVINE RD., STE. 140 FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT. AURORA, IL 60504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| LISA QUISENBERRY3 | 11 SO. OAK BELLEVILLE, IL 62220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| STEPHEN KELLS3 | 514 MAYFAIR CT. GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| WILLIAM DILLON3 | 6913 CHURCHILL CT. DOWNERS GROVE, IL 60516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 349 E. CALIFORNIA BLVD. PASADENA, CA 91106 | CONTINENTAL AMERICAN 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 | VISION SERVICE PLAN | $1K | — | $1K | 5.57% |
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 | 1,129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 101 | $36K |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,208 | $793K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,429 | $96K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,123 | $603K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,123 | $603K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,123 | $603K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,123 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,208 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.