| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 SOUTH 8TH ST., SUITE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $87K | $0 | $87K | 8.03% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 1.43% |
| AEGIS INTERNATIONAL INSURANCE3 Filed as: AEGIS INTL INSURANCE CORP | VILLA CAPARRA #243 STATE RD #2 GUAYANABO, PR 00966 | MCS LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | AMERITAS LIFE INSURANCE CORP | $4K | $0 | $4K | 1.98% |
| AEGIS INTERNATIONAL INSURANCE3 | VILLA CAPARRA 243 CARR #2 GUAYANABO, PR 00966 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 20.00% |
| CENTRAL GROUP INSURANCE3 | PO BOX 1868 DORADO, PR 00646 | HARTFORD LIFE AND ACCIDENT | $692 | $768 | $1K | 10.55% |
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 | 3,331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 156 | $452K |
| Vision | AMERITAS LIFE INSURANCE CORP | 3,700 | $207K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,331 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,331 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,331 | $1.1M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,300 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,300 | — |
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.