| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 201 SOUTH MAIN STREET SUITE 2100 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $79K | — | $79K | 7.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET IDS CENTER SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $47K | — | $47K | 4.63% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 201 SOUTH MAIN SUITE 2100 SALT LAKE CITY, UT 84111 | EYEMED | $14K | — | $14K | 9.24% |
| FLEXVISION3 | 15400 CALHOUN DRIVE ROCKVILLE, MD 20855 | EYEMED | $6K | — | $6K | 3.96% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | ALLSTATE | $27K | — | $27K | 23.10% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | ALLSTATE | $25K | — | $25K | 21.56% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $1K | — | $1K | 0.94% |
| KEELER & ASSOCIATES3 Filed as: KEELER & ASSOCIATED | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $48 | — | $48 | 0.04% |
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 | 2,087 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA BEHAVIORAL HEALTH, INC. | 2,087 | $52K |
| Dental | HMSA | 1 | $7K |
| Vision | EYEMED | 3,264 | $153K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,389 | $1.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,389 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,389 | $1.0M |
| Prescription drug | HMSA | 1 | $7K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,389 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,264 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.