| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HEALTH CARE SERVICE CORPORATION | — | $4K | $4K | 0.08% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | HARTFORD LIFE AND ACCIDENT | $3K | $2K | $5K | 9.12% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK, 4TH FLOOR QUINCY, MA 02169 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 2.03% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK, 4TH FLOOR QUINCY, MA 02169 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.09% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK, 4TH FLOOR QUINCY, MA 02169 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $174 | — | $174 | 8.80% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 833 | $5.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 406 | $22K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 627 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 477 | $52K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 477 | $52K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 833 | $4.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 477 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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.