| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | PO BOX 1414 MINNEAPOLIS, MN 55480 | AETNA LIFE INSURANCE COMPANY | $0 | $90K | $90K | 4.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $0 | $20K | $20K | 0.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 5.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.36% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 18201 VON KARMAN AVENUE, SUITE 1020 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $457 | $0 | $457 | 0.21% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 133 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.95% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 380 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $217K |
| Vision | VISION SERVICE PLAN | 239 | $18K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $217K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $217K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $217K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 380 | $2.1M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.