| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 4.96% |
| HOLLABAUGH, MARC, ALAN3 | 6701 W 64TH ST, STE 312 OVERLAND PARK, KS 66202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 16.81% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $532 | $6K | 5.13% |
| ENROLLMENT RESOURCES GROUP3 | 233 S. WACKER DR., STE. 1875 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.70% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.78% |
| HOLLABAUGH, MARC, ALAN3 | 6701 W 64TH ST, STE 312 OVERLAND PARK, KS 66202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $2K | $33K | — |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $762 | $15K | — |
| ENROLLMENT RESOURCES GROUP3 | 233 S. WACKER DR., STE. 1875 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | — |
| SWETT & CRAWFORD OF ILLINOIS, INC.3 | 14TH FL, ONE FRANKLIN ST. CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $144 | — | $144 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | — |
| LOCKTON COMPANIES, LLC3 | PO BOX 505115 ST. LOUIS, MO 63150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $105 | — | $105 | — |
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 | 766 | 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) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 614 | $109K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 465 | $44K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 766 | $210K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 766 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.