| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 1000 SOUTH PINE ISLAND ROAD, SUITE2 PLANTATION, FL 33324 | BLUE CROSS BLUE SHIELD OF FLORIDA | $171K | — | $171K | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INC | PO BOX 2480 DAYTONA BEACH, FL 32115 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC-FLORIDA | 1000 S PINE ISLAND RD, SUITE 225 PLANTATION, FL 333243904 | UNITEDHEALTHCARE INSURANCE COMPANY | -$7 | — | -$7 | -0.00% |
| SEAN PATRICK DUGAN3 | 1000 SOUTH PINE ISLAND ROAD PLANTATION, FL 33324 | MUTUAL OF OMAHA | $5K | — | $5K | 10.00% |
| HAYS COMPANIES, INC.5 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 SOUTH PINE ISLAND ROAD PLANTATION, FL 33324 | MUTUAL OF OMAHA | — | $2K | $2K | 3.69% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 218 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $191K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $191K |
| Life insurance | MUTUAL OF OMAHA | 247 | $45K |
| Other | MUTUAL OF OMAHA | 247 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
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.