| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 2 PARK PLZ SUITE 440 IRVINE, CA 92614 | UNITEDHEALTHCARE INSURANCE COMPANY | $94K | — | $94K | 4.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 40 W BROAD ST. STE 210 GREENVILLE, SC 29601 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| HAYS COMPANIES, INC.3 | 880 APOLLO STREET SUITE 300 EL SEGUNDO, CA 90245 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $4K | — | $4K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, CA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $0 | $3K | $3K | 7.43% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 522 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 522 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 522 | $1.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | 408 | $39K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | 408 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.