| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $0 | $0 | $0 | 0.00% |
| DAILYFEATS INC. | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $706 | — | $706 | 1.78% |
| HAYS COMPANIES, INC. Filed as: THE HAYS GROUP INC | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | $289 | $298 | 0.75% |
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 | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 609 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $40K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $40K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $40K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $40K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $40K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.