| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $261K | — | $261K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $72K | — | $72K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $52K | — | $52K | 10.00% |
| HAYS COMPANIES, INC.4 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10K | — | $10K | 10.00% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS CT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $7K | — | $7K | 7.00% |
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 | 4,539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 701 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,477 | $374K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,539 | $1.7M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,538 | $719K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,250 | $524K |
| Other | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | 534 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,539 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.