| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF FLORIDA INC | — | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 0.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY | AON CONSULTING INC 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | — | RELIASTAR LIFE INSURANCE COMPANY | $183K | $0 | $183K | 27.58% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUIP LLC | — | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 3.07% |
| AON CONSULTING INC3 | 1900 16TH STREET SUITE 1000 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | — | METLIFE | $7K | — | $7K | 20.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | METLIFE | $2K | — | $2K | 6.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | — | $6K | $6K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | CIGNA LIFE INSURANCE COMPANY NY | — | $4 | $4 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBSM, INC. EIN 41-0984460 NONE | Other commissions; Legal; Other fees; Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.5M |
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 | 5,640 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPSYCH | 5,688 | $92K |
| Vision | EYEMED | 7,314 | $360K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,672 | $2.1M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY NY | 3 | $0 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,672 | $1.8M |
| Other | METLIFE | 16 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,672 | — |
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."
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.