| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC OF ILLINOIS | ONE SOUTH WACKER DRIVE SUITE 3350 CHICAGO, IL 60606 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $16K | $0 | $16K | 5.31% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $893 | $14K | 13.78% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 4.84% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF ILLINOIS | ONE SOUTH WACKER DRIVE, SUITE 3350 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.10% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $669 | $3K | 2.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $534 | $1 | $535 | 0.53% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $489 | $10K | 15.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $423 | $0 | $423 | 0.65% |
| JAMES D DAVIDSON3 Filed as: JAMES D. DAVIDSON | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92868 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $182 | $0 | $182 | 0.28% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | FIRST UNUM LIFE INSURANCE COMPANY | $896 | $16 | $912 | 6.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | FIRST UNUM LIFE INSURANCE COMPANY | $182 | $0 | $182 | 1.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $118 | $0 | $118 | 0.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP, LLC | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $0 | $191 | $191 | 1.89% |
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 | 1,860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 3,525 | $1.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,787 | $126K |
| Life insurance(6 contracts, 6 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,924 | $541K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,924 | $375K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,924 | $351K |
| Other(4 contracts, 4 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,924 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,525 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.