| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | NCB-88 P.O. BOX 1414 MINNEAPOLIS, MN 55408 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $117K | $8K | $125K | 20.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | P.O. BOX 1414 MINNEAPOLIS, MN 554081414 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 4.89% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1000 S PINE ISLAND ROAD, SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $9K | $30K | 21.43% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $101 | $2K | 4.74% |
| PEARL BENEFITS GROUP INC3 | 1160 KANE CONCOURSE BAY HARBOR ISLANDS, FL 33154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $654 | — | $654 | 1.30% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $414 | $177 | $591 | 1.18% |
| DANSANA CORP3 | 3117 GOLD BANKS ROAD WAKE FOREST, NC 27587 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | — | $500 | 1.00% |
| LISA MARIE OTERO3 | 23230 ISLAND VIEW BOCA RATON, FL 33433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | — | $261 | 0.52% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $11 | $229 | 0.46% |
| YASAMIN SOHEYLA FATEMIAN3 | 150 SW 124TH AVENUE MIAMI, FL 33184 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $18 | $191 | 0.38% |
| STALTARE BENEFITS INC3 | 700 EAST ATLANTIC BOULEVARD POMPANO, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.31% |
| LIZBETH RAMON3 | 15242 SW 161 ST MIAMI, FL 33187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $36 | $140 | 0.28% |
| DAVID CHRISTOPHER NUNES3 | 11332 SW 133 PLACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $20 | $127 | 0.25% |
| MIGUEL ANGEL HURTADO3 | 1567 SE 20TH PLACE HOMESTEAD, FL 33035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $24 | $95 | 0.19% |
| ELIZABETH SANGUILY3 Filed as: ELIZABETH SANGUILY CANTIZANO | 8421 SOUTHWEST 124TH AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $3 | $87 | 0.17% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.13% |
| THEODORE JAMES MCGONIGAL3 Filed as: THEODORE JAME MCGONIGAL | 3525 BELLAND CIRCLE CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.12% |
| PAMELA EISELE FAZIO3 | 301 CAMBRIDGE ROAD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $1 | $51 | 0.10% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TERR MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $17 | $50 | 0.10% |
| ROBERT JOSEPH SPEARMAN3 | PO BOX 452143 LOS ANGELES, CA 90045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $3 | $49 | 0.10% |
| KARINA ALEXANDRA BARRIOS3 | 2505 SW 18TH STREET FT LAUDERDALE, FL 33312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $10 | $48 | 0.10% |
| MARIO P CASERTA3 | 12531 SW 112 AVENUE MIAMI, FL 33176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.06% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.05% |
| ROY LEE TUCKER3 | PO BOX 41031 PASADENA, CA 91114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $4 | $27 | 0.05% |
| ESSENTIAL BENEFITS LLC3 | 8421 SW 124 AVENUE MIAMI, FL 33183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| RICARDO ACEVEDO3 | 15340 SW 111 STREET MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| KYLE RUSSEY3 | 6921 E WEDGEWOOD AVENUE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| WORLD PRIME SOLUTIONS3 Filed as: WORLD PIME SOLUTIONS | 7000 NOVA DRIVE DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.04% |
| WAYNE JAMES PITRIE3 | 9737 BEVLYN DRIVE HOUSTON, TX 77025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $1 | $16 | 0.03% |
| CLARICE R MIMS3 Filed as: CLARICE MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.03% |
| LISA M RUSSEY3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MORGAN PERRI3 | 40 LEXINGTON CIRCLE MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| HAD LI ENTERPRISES INCORPORATED3 Filed as: HAD II ENTERPRISES INCORPORATED | 11432 SOUTH STREET #303 CERRITOS, CA 90703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.01% |
| SHARON M BOSTON3 | 3400 LONGFIELD DRIVE SNELLVILLE, GA 30039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CHAVEZ | 1807 WEST DIEL ROAD NAPERVILLE, IL 60563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ANDRE CRENSHAW3 | 19605 TALLISMAN STREET TORRANCE, CA 90503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| PEACOCK FINANCIALS INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| CATHERINE ANN ARAUJO3 | 2570 NW 94TH WAY SUNRISE, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | — | $21 | 5.93% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DRIVE READING, PA 19608 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 1.69% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 12002 SW 128TH COURT MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.85% |
| STALTARE BENEFITS INC3 | 1172 SE 3RD TERRACE DEERFIELD BEACH, FL 33441 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.56% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.56% |
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 | 350 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $657K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $143K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $143K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $192K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $192K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $142K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 335 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.