| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD, BLDG 3, STE 700 ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $41K | $2K | $43K | 3.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 1125 17TH ST, STE 400 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 4.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | 9401 AMBERGLEN BLVD, STE 100 AUSTIN, TX 78729 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $6K | $26K | 15.61% |
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD, BLDG 3, STE 700 ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $10K | $11K | 6.81% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | PO BOX 901 NAPERVILLE, IL 60566 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.47% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $602 | $602 | 0.36% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST, STE 700 MINNEAPOLIS, MN 55402 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 1125 17TH ST, STE 400 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $852 | $0 | $852 | 11.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF ILLINOIS | 1 S WACKER DR, STE 3350 CHICAGO, ID 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | $0 | $68 | 10.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST, STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $14 | $14 | 2.06% |
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 | 814 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 302 | $2.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $219K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $174K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $167K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $167K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $167K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.