| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $708 | $8K | 6.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $12K | $5K | $17K | 17.99% |
| THOMAS FULLER3 | 1830 BRENT BLVD. LINCOLN, NE 68506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $162 | $5K | 5.50% |
| SECURITY FIRST BANK3 | PO BOX 3490 RAPID CITY, SD 57709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.80% |
| ROBERT ELLIS3 | 11261 WRIGHT CIR. OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $292 | $2K | 1.77% |
| KRISTI LYN HOVIE3 Filed as: KRISTI HOVIE | 11261 WRIGHT CIR. OMAHA, NE 68144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $946 | $242 | $1K | 1.37% |
| THOMAS A HOUSE3 Filed as: THOMAS HOUSE | 2145 MAPLE ST. SIDNEY, NE 69162 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $741 | — | $741 | 0.86% |
| KIMBERLY LEWIS3 | 13911 JOSEPHINE ST. OMAHA, NE 68138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $646 | $27 | $673 | 0.78% |
| THOMAS JAMES BUTLER3 Filed as: THOMAS BUTLER | 7913 N 164TH ST. BENNINGTON, NE 68007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.13% |
| CRISS BUTLER3 | 4924 EASTRIDGE DR. OMAHA, NE 68134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $27 | $76 | 0.09% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR. GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $15 | $38 | 0.04% |
| MARK METTILLE3 Filed as: MARK WILSON | 18907 D ST. OMAHA, NE 68130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 4.92% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $121K |
| Vision | VISION SERVICE PLAN | 177 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 216 | $94K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 216 | $94K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 216 | $94K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 216 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.