| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK J MAYER3 | 27750 STANSBURY, SUITE 100 FARMINGTON HILLS, MI 483348334 | BLUE CARE NETWORK OF MICHIGAN | $25K | — | $25K | 4.77% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO., LLC | 30600 NORTHWESTERN HWY SUITE 200 FARMINGTON HILLS, MI 483348334 | BLUE CARE NETWORK OF MICHIGAN | — | $306 | $306 | 0.06% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.73% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.99% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.97% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.84% |
| NICHOLAS M MALLIS3 | 950 OLD FALLSTON ROAD FALLSTON, MD 21047 | TRANSAMERICA LIFE INSURANCE COMPANY | $204 | — | $204 | 0.38% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.28% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S. 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.04% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 11.26% |
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 | 626 | 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) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 88 | $554K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MISSOURI | 903 | $299K |
| Vision | HEARTLAND | 868 | $38K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 626 | $198K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 448 | $104K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $79K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 88 | $526K |
| Other(7 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 626 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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."
No prospect flags tripped on this filing.