| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $181K | $8K | $190K | 15.69% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $57K | $5K | $62K | 10.87% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $40K | $5K | $45K | 11.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 5850 GRANITE PKWY SUITE 350 PLANO, TX 75024 | HARTFORD LIFE AND ACCIDENT | $46K | — | $46K | 14.27% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST STE 1710 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 3.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 6905 N WICKHAM RD STE 501 MELBOURNE, FL 32940 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.77% |
| 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 | $6K | — | $6K | 10.00% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5729 LEBANON RD STE 144/211 FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 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 | 1,551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,331 | $178K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,262 | $1.2M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,263 | $572K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 831 | $398K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 369 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,331 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.