| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYES GROUP INC | 1350 BAYSHORE HIGHWAY, STE 218 BURLINGAME, CA 94010 | COMPCARE HEALTH SERVICES INS CORPORATION (G0423) | $11K | — | $11K | 0.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYES GROUP INC | 80 S 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | COMPCARE HEALTH SERVICES INS CORPORATION (G0423) | $4K | — | $4K | 0.35% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP LLC | 80 S 8TH STREET,STE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $42K | $19K | $61K | 6.07% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INS SERVICES LLC | 200 SEAPORT BLVD, MZV6D BOSTON, MA 02210 | HARTFORD LIFE AND ACCIDENT | $59K | — | $59K | 5.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH STREET, STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 0.60% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFIT GROUP LLC | 80 S 8TH STREET, STE 700 AGENT NO. 010248 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
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 | 2,776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,236 | $173K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,336 | $1.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,336 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,336 | $1.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,776 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,776 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.