| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC | 80 S. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $113K | — | $113K | 7.30% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: PEGASUS FINANICAL GROUP INC | 515 S FLOWER STREET, SUITE 3210 32ND FLOOR LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$7K | — | -$7K | -0.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC | 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55704 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $51K | — | $51K | 5.39% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS FINANCIAL GROUP INC | 515 S FLOWER STREET, SUITE 3210 32ND FLOOR LOS ANGELES, CA 90071 | CIGNA HEALTH & LIFE INSURANCE COMPANY | -$3K | — | -$3K | -0.31% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC | 80 S. 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $545 | $35K | 10.82% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS FINANCIAL GROUP INC | 515 S FLOWER STREET SUITE 3210 32ND FLOOR LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC | 80 S 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA GROUP INSURANCE | $3K | — | $3K | 10.61% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS CAPITAL & INSURANCE | 515 SOUTH FLOWER STREET, SUITE 3210 LOS ANGELES, CA 90071 | CIGNA GROUP INSURANCE | $67 | — | $67 | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC | 80 S 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA GROUP INSURANCE | $2K | — | $2K | 10.25% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS CAPITAL & INSURANCE | 515 SOUTH FLOWER STREET, SUITE 3210 LOS ANGELES, CA 90071 | CIGNA GROUP INSURANCE | $46 | — | $46 | 0.29% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC | 80 S 80TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA GROUP INSURANCE | $1K | — | $1K | 11.45% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS CAPITAL & INSURANCE | 515 SOUTH FLOWER STREET, SUITE 3210 LOS ANGELES, CA 90071 | CIGNA GROUP INSURANCE | $35 | — | $35 | 0.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 S 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA GROUP INSURANCE | $652 | — | $652 | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC | 80 S 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA GROUP INSURANCE | $541 | — | $541 | 11.77% |
| PEGASUS FINANCIAL GROUP, INC.3 Filed as: PEGASUS CAPITAL & INSURANCE | 515 SOUTH FLOWER STREET, SUITE 3210 LOS ANGELES, CA 90071 | CIGNA GROUP INSURANCE | $13 | — | $13 | 0.28% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 609 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $320K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $320K |
| Life insurance | CIGNA GROUP INSURANCE | 155 | $16K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $327K |
| Long-term disability | CIGNA GROUP INSURANCE | 155 | $25K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 609 | $1.5M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.