| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP,LLC. | 5850 GRANITE PARKWAYS SUITE 350 PLANO, TX 75024 | AETNA LIFE INSURANCE CO. | $718 | — | $718 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $1K | $34K | 13.15% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $649 | $5K | 2.10% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $26K | 16.64% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAYS SUITE 350 PLANO, TX 75024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $589 | $589 | 1.31% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | MEDIEXCEL HEALTH PLAN | $565 | — | $565 | 9.42% |
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 | 858 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 1,156 | $2.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 666 | $265K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 666 | $259K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 858 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $155K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 858 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,156 | — |
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.