| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 220 RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | HUMANA MEDICAL PLAN INC | $51K | $1K | $52K | 6.13% |
| 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 | $5K | $2K | $7K | 15.09% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | HUMANA INSURANCE COMPANY | $3K | $490 | $4K | 7.82% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 13.19% |
| B & B INSURANCE SOLUTIONS INC3 | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 7.80% |
| GUY SANMIGUEL3 | 4965 SW 134 AVE MIRAMAR, FL 33027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $874 | $89 | $963 | 2.20% |
| ERLANDE MICHEL3 | 3141 LAFRANCE AVE SW PALM BAY, FL 32908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $765 | $4 | $769 | 1.76% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $179 | $532 | 1.22% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | — | $368 | 0.84% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 0.66% |
| MODERN LIFE FINANCIAL GROUP3 | 2826 SOUTHWEST 145 CT MIAMI, FL 33175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 0.37% |
| CRAIG WAYNE SOTTILE3 | 3200 PORT ROYALE DR N FORT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.25% |
| GEOVANNY ENCARNACION3 | 11754 BW 1ST ST CORAL SPRINGS, FL 33071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.23% |
| JUDITH I VIDAL3 | 7280 STIRLING RD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.21% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE, APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.19% |
| ANTHONY ACCILIEN3 | 15764 HUMMINGBIRD LA WESTLAKE, FL 33470 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.19% |
| GINA MARIE MARTINEZ3 | 2400 NE 36TH ST APT 7 LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.16% |
| LOUIS ALFIERI JR3 | 6100 NW SECOND AVE APT 421 BOCA RATON, FL 33487 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.14% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DR DAVIE, FL 33317 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $7 | $58 | 0.13% |
| JANET IBANEZ3 | 17501 SW 92 CT PALMETTON BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $19 | $34 | 0.08% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| COMPASS BENEFITS SOLUTIONS LLC3 | 5200 N HILLS DR HOLLYWOOD, FL 33021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| LAURA MCCLUNG PLYLER3 | 547 BIMINI TWIST CIR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ERIN WIGGINS3 | 17501 SW 92 CT CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| DORIS JUDITH BEJARANO3 | 2114 N FLAMINGO RD PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KATTY W COHEN3 | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $743 | — | $743 | 4.01% |
| SHARON BASSOFF INC3 | 11550 SW 9TH COURT PEMBROKE PINES, FL 33025 | AFLAC | $295 | — | $295 | 1.59% |
| STEVEN B HULNICK3 | 1010 SEMINOLD DR APT 1707 FORT LAUDERDALE, FL 33304 | AFLAC | $204 | — | $204 | 1.10% |
| BARRY BAYUK3 Filed as: BARRY M BAYUK | 7193 VENETO DRIVE BOYNTON BEACH, FL 33437 | AFLAC | $81 | — | $81 | 0.44% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MEYTER, FL 33913 | AFLAC | $71 | — | $71 | 0.38% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $70 | — | $70 | 0.38% |
| KENDALL C HUDSON3 | 1645 PALM BEACH LAKES BLVD STE 1200 WEST PALM BEACH, FL 33401 | AFLAC | $68 | — | $68 | 0.37% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $62 | — | $62 | 0.33% |
| LANCE E SULLIVAN3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $60 | — | $60 | 0.32% |
| KEVIN W DOWNS3 | 556 PLAZA SEVILLE CT, APT 107 TREASURE ISLAND, FL 33706 | AFLAC | $46 | — | $46 | 0.25% |
| DEXTER ANTONIO HARRIS3 | 100 GALLERIA PKWY SE STE 900 ATLANTA, GA 30339 | AFLAC | $42 | — | $42 | 0.23% |
| JOSHUA BUZZARD3 | 6848 HENDRY DR LAKE WORTH, FL 33463 | AFLAC | $41 | — | $41 | 0.22% |
| RUSSELL SHAYNE FOX3 | 9205 COVE POINT CIR BOYNTON BEACH, FL 33472 | AFLAC | $35 | — | $35 | 0.19% |
| KWD & ASSOC INC3 | 8505 S TROPICAL TRL MERRITT ISLAND, FL 32952 | AFLAC | $28 | — | $28 | 0.15% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $28 | — | $28 | 0.15% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $20 | — | $20 | 0.11% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $16 | — | $16 | 0.09% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $12 | — | $12 | 0.06% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $11 | — | $11 | 0.06% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $11 | — | $11 | 0.06% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $10 | — | $10 | 0.05% |
| EMILY E INTOPPA3 | PO BOX 66 BOLINGBROKE, GA 31004 | AFLAC | $7 | — | $7 | 0.04% |
| ANDREW J CHRISTIANO3 | 17830 BRIAN WAY JUPITER, FL 33478 | AFLAC | $6 | — | $6 | 0.03% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD SUITE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $6 | — | $6 | 0.03% |
| EMILY B WAYMAN3 | 1350 SW 12TH TER BOCA RATON, FL 33486 | AFLAC | $5 | — | $5 | 0.03% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $4 | — | $4 | 0.02% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LN ELGIN, IL 60123 | AFLAC | $3 | — | $3 | 0.02% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $3 | — | $3 | 0.02% |
| JUAN C FERLINI3 | 891 891 MAYBERRY ML NEW BRAUNFELS, TX 78130 | AFLAC | $3 | — | $3 | 0.02% |
| DAVID S MORRIS3 | 950 PENINSULA CORPORATE CIRCLE STE 1005 BOCA RATON, FL 33487 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AR 72714 | AFLAC | $2 | — | $2 | 0.01% |
| BILINGUAL BENEFITS CONSULTANTS INC3 | 1025 PINHURST DR ATLANTA, GA 30339 | AFLAC | $1 | — | $1 | 0.01% |
| NADIA DIAZ NORRIS3 | 350 WILLOW GLENN CT MARIETTA, GA 30068 | AFLAC | $1 | — | $1 | 0.01% |
| NADIA DIAZ NORRIS3 | 4572 CONCORDIA LN BOYNTON BEACH, FL 33436 | AFLAC | $1 | — | $1 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | COMPBENEFITS COMPANY | $510 | $281 | $791 | 9.71% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN INC | 61 | $843K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 51 | $54K |
| Vision | HUMANA INSURANCE COMPANY | 51 | $46K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $47K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.