| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | NCB-88 PO BOX 1414 MINNEAPOLIS, MN 55408 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $223K | — | $223K | 17.98% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1000 S PINE ISLAND RD, SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $12K | $45K | 13.70% |
| HEALTH IS WEALTH GROUP LLC3 | C/O WORKSITE SOLUTIONS FT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.93% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $409 | $3K | 3.75% |
| WORKSITE SOLUTIONS INC3 | C/O WORKSITE SOLUTIONS FT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.67% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128 CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | $978 | $2K | 2.46% |
| MICHAEL ALAN SCHOOLEY3 | 11107 SW 138TH PL MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $639 | — | $639 | 0.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ADAM IRA BROWN | 700 NE 7TH AVE #6 FT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $164 | $603 | 0.81% |
| LOUIS ALFIERI JR3 | 1400 NW 15TH CT APT 101 BOCA RATON, FL 33486 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | — | $551 | 0.74% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128 COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | $53 | $527 | 0.70% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $102 | $385 | 0.51% |
| MICHAEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | — | $326 | 0.44% |
| MICHAEL MARSHALL3 | 1134 SE 6TH CT DANIA BEACH, FL 33004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $51 | $99 | 0.13% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.11% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| ESQUEN INSURANCE GROUP CORP3 Filed as: ESQUEN INSURANCE GROUP | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| STALTARE BENEFITS INC3 | 2791 LAWRENCE MILL RUN MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| CRAIG WAYNE SOTTILE3 | 8 PETER BROOK CT SIMPSONVILLE, SC 29681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HEALTH IS WEALTH GROUP LLC3 Filed as: HEALTH IS WEALTH | 1314 E LAS OLAS BLVE SUITE 930 FORT LAUDERDALE, FL 33301 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 6.54% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: WALTER E BENITEZ | 12002 W 128TH COURT SUITE 207 MIAMI, FL 33186 | TRUSTMARK INSURANCE COMPANY | $920 | — | $920 | 1.36% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | TRUSTMARK INSURANCE COMPANY | $710 | — | $710 | 1.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP | 1000 S PINE ISLAND RD SUITE 225 PLANTATION, FL 33324 | TRUSTMARK INSURANCE COMPANY | $157 | — | $157 | 0.23% |
| HERNAN OLORTEGUI3 | 134 NW 109 AVE 102 PEMBROKE PINES, FL 33026 | TRUSTMARK INSURANCE COMPANY | $28 | — | $28 | 0.04% |
| LOURDES PRICE3 | 6636 ALEMEDRA FORT PIERCE, FL 34951 | TRUSTMARK INSURANCE COMPANY | $25 | — | $25 | 0.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $4K | — | $4K | 10.00% |
| P. FINANCIAL, INC. DBA PFLEGER3 Filed as: P.FINANCIAL, INC DBA PFLEGER | 2600 S DOUGLAS ROAD CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA DENTAL HEALTH OF CALIFORNIA INC | $21 | — | $21 | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA DENTAL HEALTH OF TEXAS INC | $17 | — | $17 | 10.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA DENTAL HEALTH OF COLORADO | $15 | — | $15 | 10.20% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 512 | $1.4M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 512 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 512 | $1.2M |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 469 | $467K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 469 | $467K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 469 | $325K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 469 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.