| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80TH S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE | $21K | $3K | $25K | 17.24% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC | PO BOX 778895 CHICAGO, IL 60677 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $4K | $4K | 3.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | STE 700 80 S 8TH ST MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.12% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC | PO BOX 26622 TAMPA, FL 33623 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.21% |
| BENEFIT TECHNOLOGY RESOURCES3 | 301 W PLATT STREET #507 TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP, LLC | 80 SO. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $675 | $5K | 17.31% |
| BENEFITS TECHNOLOGY RESOURCES3 | 301 W PLATT STREET #507 TAMPA, FL 33606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $879 | $879 | 3.00% |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 282 | $40K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 454 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 454 | $61K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 358 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.