| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF FLORIDA | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | HEALTH OPTIONS, INC. | $46K | — | $46K | 5.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES OF FLORIDA | 1000 S PINE ISLAND ROAD STE 225 PLANTATION, FL 33324 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 5.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 10.28% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.91% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP INC | 231 SW 63RD TERR PEMBROKE PIENS, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $291 | — | $291 | 1.73% |
| CAROLINA CAPELLAN3 | 2206 S CYPRESS BEND DRIVE POMPANO BEACH, FL 33069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 1.17% |
| GUILLEN CAYSPILAR3 | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 0.84% |
| OLIVERA GARY3 | 6320 ATLANTA STREET HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 0.81% |
| JANETTE ZUNIGA3 | 24-01 19TH STREET #3 ASTORIA, NY 11102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 0.70% |
| LAQUETA BAILEY3 | 2164 SIENA WAY HOLLYWOOD, FL 33021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.33% |
| GUILLEN CAYSPILAR3 | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | P.O. BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GARY OLIVERA3 | 6320 ATLANTA STREET HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP, INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF FLORIDA | P.O. BOX 1414 MINNEAPOLIS, MN 55480 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.39% |
| HAYS COMPANIES, INC.3 Filed as: HAYES COMPANIES, INC | 1200 MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | AMERITAS LIFE INSURANCE CORP | $911 | — | $911 | 8.07% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYES GROUP INC. | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | AMERITAS LIFE INSURANCE CORP | $803 | — | $803 | 7.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1560 SAWGRASS CORPORATE PARKWAYI SUITE 300 SUNRISE, FL 33323 | AMERITAS LIFE INSURANCE CORP | $130 | — | $130 | 1.15% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 158 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 167 | $11K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 209 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $102K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $118K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $102K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.