| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | UNIMERICA INSURANCE COMPANY | $27K | $0 | $27K | 9.52% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNESAPOLIS, MN 55402 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| DAVID A YENSAN3 | 608 NORTHGATE RD. ABERDEEN, MD 21001 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $2K | $10 | $2K | 7.41% |
| SUSAN MARIE BARD3 | 7219 DERSTAN RD INDIANAPOLIS, IN 46250 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $521 | $0 | $521 | 2.04% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE RD. NEWARK, DE 19713 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $489 | $2 | $491 | 1.92% |
| JAY W COMBS3 Filed as: JAY W. COMBS | 573 BELLEVUE RD. NEWARK, DE 19713 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $362 | $0 | $362 | 1.42% |
| NANCY LEE COMBS3 | 221 W HIGH ST. ELKTON, MD 21921 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $175 | $0 | $175 | 0.69% |
| BRIANNA LYNN ROWE3 | 3386 CHALICE CT. PLAINFIELD, IN 46168 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $134 | $0 | $134 | 0.53% |
| JOHN T CAPOZZI3 | 254 CHAPMAN RD. STE. 203 NEWARK, DE 19702 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $131 | $2 | $133 | 0.52% |
| JEFFREY R CAREY3 | 573 BELLEVUE RD NEWARK, DE 19713 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $98 | $0 | $98 | 0.38% |
| CHRIS WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $90 | $0 | $90 | 0.35% |
| LINDA C CLARK3 | 11882 PINE MEADOW CIR FISHERS, IN 46037 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $90 | $0 | $90 | 0.35% |
| DENNIS L CAMDEN3 | 508 DEVONSHIRE DR KOKOMO, IN 46901 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $71 | $0 | $71 | 0.28% |
| MICHAEL C WALKER3 | 203 MARKET ST. STE. 201 HAVRE DE GRACE, MD 21078 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $55 | $0 | $55 | 0.22% |
| LEILA RAPPAPORT3 | 123 MENDEL CT. BEAR, DE 19701 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $46 | $0 | $46 | 0.18% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $37 | $0 | $37 | 0.15% |
| KENNETH B COFER3 Filed as: KENNETH COPER | 5950 SYMPHONY WOODS RD. STE. 214 COLUMBIA, MD 21044 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $36 | $0 | $36 | 0.14% |
| JASON A NAVILLE3 | 14220 OVERBROOK DR. CARMEL, IN 46074 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $32 | $0 | $32 | 0.13% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST., STE. 210 HAVRE DE GRACE, MD 21078 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $26 | $0 | $26 | 0.10% |
| MICHAEL DUANE ARNOLD3 | 2147 BUTTONBUSH DR PLAINFIELD, IN 46168 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $21 | $0 | $21 | 0.08% |
| MICHAEL ROBERT YURCZYK3 | 5810 W 78TH ST., STE. 210 EDINA, MN 55439 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $20 | $0 | $20 | 0.08% |
| JAY W COMBS3 Filed as: JAY COMBS | 573 BELLEVUE RD. NEWARK, DE 19713 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $15 | $0 | $15 | 0.06% |
| PAUL M MARTINDALE3 | 1001 N HICKORY RD. STE. 3 SOUTH BEND, IN 46615 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $15 | $0 | $15 | 0.06% |
| JEFFREY W XAVER3 | 3982 ARLINGTON DR. WILLIAMSBURG, MI 49690 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $13 | $0 | $13 | 0.05% |
| JEFFREY LUXENBERG3 Filed as: JEFFREY D LUXENBERG | 307 LONGTREE LN LOGANSPORT, IN 46947 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $13 | $0 | $13 | 0.05% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR. CARMEL, IN 46074 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $13 | $0 | $13 | 0.05% |
| NANCY LEE COMBS3 | 221 W HIGH STREET ELKTON, MD 21921 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $12 | $0 | $12 | 0.05% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST., STE. 201 HAVRE DE GRACE, MD 21078 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $12 | $0 | $12 | 0.05% |
| JASON D ELLIS3 | 203 MARKET ST., STE. 210 HAVRE DE GRACE, MD 21078 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $10 | $0 | $10 | 0.04% |
| KENNETH B COFER3 Filed as: KENNETH B COPER | 5950 SYMPHONY WOODS RD., STE. 214 COLUMBIA, MD 21044 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $9 | $0 | $9 | 0.04% |
| JEFFREY R CAREY3 | 573 BELLEVUE RD., STE. B NEWARD, DE 19713 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $8 | $0 | $8 | 0.03% |
| JOSEPH M BRZECZEK3 | 1012 COLLEGE RD. STE. 203 DOVER, DE 19904 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $7 | $0 | $7 | 0.03% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE., STE. 203 TRAVERSE CITY, MI 49686 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $7 | $0 | $7 | 0.03% |
| JAMES M PITZ3 | 84 MINK DR. CATAULA, GA 31804 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $7 | $0 | $7 | 0.03% |
| MICHAEL DUANE ARNOLD3 | 2601 FORTUNE CIR E STE. 103A INDIANAPOLIS, IN 46241 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $6 | $0 | $6 | 0.02% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 10069 BENT TREE LN FISHERS, IN 46037 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $6 | $0 | $6 | 0.02% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $4 | $0 | $4 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $4 | $0 | $4 | 0.02% |
| JEFFREY W XAVER3 Filed as: JEFFREY XAVIER | 5300 EAGLES NEST LN LELAND, MI 49654 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $4 | $0 | $4 | 0.02% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $3 | $0 | $3 | 0.01% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 631 GREENFORD TRL W CARMEL, IN 46032 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $3 | $0 | $3 | 0.01% |
| KEVIN F WARD3 Filed as: KEVIN WARD | 12632 DOUBLE EAGLE DR. CARMEL, IN 46033 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $3 | $0 | $3 | 0.01% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET STE. 210 HAVRE DE GRACE, MD 21078 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $3 | $0 | $3 | 0.01% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $2 | $0 | $2 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PL EGG HARBOR TOWNSHIP, NJ 08234 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $2 | $0 | $2 | 0.01% |
| ASSUREDPARTNERS3 Filed as: JENNIFER MITCHEN | 9247 N MERIDIAN ST. STE. 205 INDIANAPOLIS, IN 46260 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $2 | $0 | $2 | 0.01% |
| ANGELA R CONDON3 Filed as: ANGELA CONDON | PO BOX 820 ROCHESTER, IN 46975 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $1 | $0 | $1 | 0.00% |
| AMY N GEHLHAUSEN3 | 3115 HOWARD DR JASPER, IN 47546 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $1 | $0 | $1 | 0.00% |
| CAROL J THOMPSON3 | 51717 SUMMER WOOD CT GRANGER, IN 46530 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $1 | $0 | $1 | 0.00% |
| MATTHEW M NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IA 46530 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $1 | $0 | $1 | 0.00% |
| NATHAN L HARRISON3 | 16024 MANCHESTER RD 2ND FLOOR, STE. 200 ELLISVILLE, MO 63011 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $1 | $0 | $1 | 0.00% |
| JOHN D. COONEY3 Filed as: JOHN A PITUHC | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AMERICAN FAMILY LIFE INSURANCE COMPANY (AFLAC) | $0 | $0 | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 6711 COLUMBIA GATEWAY DRIVE COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.37% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $221 | $0 | $221 | 1.61% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 137 | $314K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 289 | $98K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 307 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $53K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $27K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.