| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | $7K | $23K | 14.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MONNEAPOLIS, MN 55402 | DELTA DENTAL OF COLORADO | $6K | $0 | $6K | 5.68% |
| BRITTANY ANN BUCKLEY3 | 246 VIRGIINIA STREET IDAHO SPRINGS, CO 80452 | AFLAC | $3K | $0 | $3K | 10.31% |
| HAYS COMPANIES, INC.3 | 655 NORTH FRANKLIN, SUITE 1900 TAMPA, FL 33602 | AFLAC | $2K | $0 | $2K | 8.21% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY A. LIJEWSKI | 5894 EAST CALEY AVENUE CENTENNIAL, CO 80111 | AFLAC | $1K | $0 | $1K | 4.50% |
| DAYTON LLC3 Filed as: DAYTON, LLC | 5445 DTC PARKWAY, SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $992 | $0 | $992 | 3.35% |
| BARBARA R SANTELLA3 Filed as: BARBARA R. SANTELLA | 8864 WAGNER COURT HIGHLANDS RANCH, CO 80126 | AFLAC | $295 | $0 | $295 | 1.00% |
| HAYS COMPANIES, INC.3 | 1125 17TH STREET, SUITE 1710 DENVER, CO 80202 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.62% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 291 | $107K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 248 | $21K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 320 | $164K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 320 | $164K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 320 | $164K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 320 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.