| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $138K | $19K | $157K | 12.85% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $23 | $2K | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SUSAN BROWN BULLA | 4700 BRYANT IRVIN COURT, SUITE 304 FORT WORTH, TX 76107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $593 | $0 | $593 | 0.05% |
| HAYS COMPANIES, INC.3 | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $24K | $7K | $30K | 3.25% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $5K | $46K | 5.58% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $4K | $40K | 4.78% |
| JOE FERNANDEZ3 | UNKNOWN FORT WORTH, TX 76137 | COMBINED INSURANCE | $124K | $0 | $124K | 17.88% |
| TBX EMPLOYEE BENEFITS LLC3 | UNKNOWN FORT WORTH, TX 76137 | COMBINED INSURANCE | $89K | $0 | $89K | 12.83% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | COMBINED INSURANCE | $80K | $0 | $80K | 11.58% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | COMBINED INSURANCE | $53K | $0 | $53K | 7.66% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 3.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SUSAN BROWN BULLA | 4700 BRYANT IRVIN COURT, SUITE 304 FORT WORTH, TX 76107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.51% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | EYEMED | $14K | $0 | $14K | 10.08% |
| SUSAN B BULLA3 Filed as: SUSAN B. BULLA | 4700 BRYANT IRVIN COURT, SUITE 304 FORT WORTH, TX 76107 | EYEMED | $364 | $0 | $364 | 0.26% |
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 | 1,739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 165 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,496 | $828K |
| Vision | EYEMED | 2,354 | $141K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 908 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 908 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 908 | $1.2M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 165 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,004 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,496 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.