| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE CO. | $20K | — | $20K | 3.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 3.27% |
| GREENE-HAZEL & ASSOCS INC3 Filed as: GREENE-HAZEL ASSOC INC 10739 | DEERWOOD PARK BLD SUITE 200 JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 10739 DEERWOOD PARK BLVD #200 JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 5.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.21% |
| GREENE-HAZEL & ASSOCS INC3 | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.90% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AETNA | $7K | — | $7K | 5.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AETNA | $6K | — | $6K | 4.83% |
| GREENE-HAZEL & ASSOCS INC3 Filed as: GREENE-HAZEL ASSOC INC 10739 | DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 32256 | AETNA | $2K | — | $2K | 1.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 9.34% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 6.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 5.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 10739 DEERWOOD PARK BLVD STE 200 JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 3.30% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 CHICAGO, IL 60604 | AETNA LIFE INSURANCE CO | $821 | — | $821 | 2.85% |
| GREENE-HAZEL & ASSOCS INC3 Filed as: GREENE-HAZEL ASSOC INC 1073 | DEERWOOD PARK BLVD SUITE 200 JACKSONVILLE, FL 32256 | AETNA LIFE INSURANCE CO | $367 | — | $367 | 1.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO | $164 | — | $164 | 0.57% |
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 | 1,523 | 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) | 1,523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 177 | $865K |
| Dental | AETNA LIFE INSURANCE CO. | 1,624 | $522K |
| Vision | AETNA LIFE INSURANCE CO. | 1,138 | $82K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,523 | $154K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 188 | $86K |
| Long-term disability | AETNA | 1,173 | $131K |
| Other(2 contracts) | AETNA LIFE INSURANCE CO. | 1,523 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,624 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.