| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 9.93% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $6K | $27K | 12.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $4K | $17K | 13.10% |
| HEALTH IS WEALTH GROUP LLC3 | C/O WORKSITE SOLUTIONS FT LAUDERDALE, FL 33301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.65% |
| COLONIAL LIFE & ACCIDENT3 | VARIOUS BROKERS - SEE ATTACHED POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $311 | $2K | 3.13% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 6TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $97 | $2K | 2.71% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $717 | $497 | $1K | 1.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.96% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $5K | — | $5K | 10.00% |
| HEALTH IS WEALTH GROUP LLC3 | DBA WORKSITE SOLUTIONS, INC 1314 E LAS OLAS BLVD, SUITE 930 FORT LAUDERDALE, FL 33301 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 6.86% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: WALTER E BENITEZ | 12002 SW 128TH COURT SUITE 207 MIAMI, FL 33186 | TRUSTMARK INSURANCE COMPANY | $647 | — | $647 | 1.47% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | TRUSTMARK INSURANCE COMPANY | $619 | — | $619 | 1.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.51% |
| P. FINANCIAL, INC. DBA PFLEGER3 Filed as: P FINANCIAL, INC. DBA PFLEGER | 2600 S DOUGLAS ROAD SUITE 1010 CORAL GABLES, FL 33134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| HEALTH IS WEALTH GROUP LLC3 | DBA WORKSITE SOLUTIONS, INC 1314 E LAS OLAS BLVD, SUITE 930 FORT LAUDERDALE, FL 33301 | TRUSTMARK INSURANCE COMPANY | $617 | — | $617 | 7.51% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | TRUSTMARK INSURANCE COMPANY | $193 | — | $193 | 2.35% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: WALTER E BENITEZ | 12002 SW 128TH COURT SUITE 207 MIAMI, FL 33186 | TRUSTMARK INSURANCE COMPANY | $193 | — | $193 | 2.35% |
| HERNAN OLORTEGUI3 | 134 NW 109 AVENUE 102 PEMBROKE PINES, FL 33026 | TRUSTMARK INSURANCE COMPANY | $14 | — | $14 | 0.17% |
| HEALTH IS WEALTH GROUP LLC3 | DBA WORKSITE SOLUTIONS, INC 1314 E LAS OLAS BLVD, SUITE 930 FORT LAUDERDALE, FL 33301 | TRUSTMARK INSURANCE COMPANY | $360 | — | $360 | 4.95% |
| LOURDES PRICE3 | 6636 ALEMENDRA FORT PIERCE, FL 34951 | TRUSTMARK INSURANCE COMPANY | $12 | — | $12 | 0.16% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: WALTER E BENITEZ | 12002 SW 128TH COURT SUITE 207 MIAMI, FL 33186 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 38.37% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 38.37% |
| HEALTH IS WEALTH GROUP LLC3 | DBA WORKSITE SOLUTIONS, INC 1314 E LAS OLAS BLVD, SUITE 930 FORT LAUDERDALE, FL 33301 | TRUSTMARK INSURANCE COMPANY | $48 | — | $48 | 1.05% |
| HEALTH IS WEALTH GROUP LLC3 | DBA WORKSITE SOLUTIONS, INC 1314 E LAS OLAS BLVD, SUITE 930 FORT LAUDERDALE, FL 33301 | TRUSTMARK INSURANCE COMPANY | $119 | — | $119 | 4.16% |
| HERNAN OLORTEGUI3 | 134 NW 109 AVENUE 102 PEMBROKE PINES, FL 33026 | TRUSTMARK INSURANCE COMPANY | $14 | — | $14 | 0.49% |
| LOURDES PRICE3 | 6636 ALEMENDRA FORT PIERCE, FL 34951 | TRUSTMARK INSURANCE COMPANY | $13 | — | $13 | 0.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA DENTAL HEALTH OF TEXAS, INC | $53 | — | $53 | 9.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $4 | — | $4 | 9.09% |
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 | 545 | 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) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 92 | $80K |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 377 | $263K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 377 | $215K |
| Life insurance(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 548 | $164K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 548 | $285K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $133K |
| Other(5 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 548 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.