| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS OF CALIFORNIA | $415K | $0 | $415K | 3.24% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $13K | $101K | 8.28% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19K | $19K | 1.60% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 7500 DALLAS PKWY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $98 | $98 | 0.01% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $39K | $76K | 21.78% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.50% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $32K | $63K | 21.79% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.50% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $4K | $40K | 17.94% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $735 | $18K | 8.05% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $20K | $40K | 21.80% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.50% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 8.39% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES | PO BOX 654118 DALLAS, TX 75265 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 4.07% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $9K | $1K | $10K | 9.13% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.77% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $289 | $6K | 7.86% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $4K | $581 | $5K | 11.33% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | $278 | $2K | 7.91% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY SUITE 550 PLANO, TX 75024 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $419 | $419 | 1.40% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 7500 DALLAS PKWY SUITE 550 PLANO, TX 75024 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $99 | $99 | 0.33% |
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 | 953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,832 | $12.8M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,673 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,596 | $129K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 953 | $351K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 953 | $289K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 953 | $183K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,832 | $12.8M |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 953 | $695K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,832 | — |
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.