| 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. | $48K | — | $48K | 5.55% |
| 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 | $19K | — | $19K | 5.64% |
| 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 | $10K | — | $10K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP STE 304 MAMASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 6.63% |
| 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 | $2K | — | $2K | 9.55% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INSURANCE GROUP, INC. | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 1.37% |
| CAROLINA CAPELLAN3 | 2206 S CYPRESS BEND DRIVE POMPANO BEACH, FL 33069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 1.14% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS | 1600 S FEDERAL HWY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | — | $167 | 0.98% |
| GUILLEN CAYSPILAR3 | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 0.85% |
| JANETTE ZUNIGA3 | 24-01 19TH STREET #3 ASTORIA, NY 11102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.70% |
| GARY OLIVERA3 | 6320 ATLANTA STREET HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.44% |
| LAQUETA BAILEY3 | 2164 SIENA WAY HOLLYWOOD, FL 33021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.36% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF FLORIDA | P.O. BOX 1414 MINNEAPOLIS, MN 55480 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.12% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYES GROUP INC. | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 14.00% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 132 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 149 | $9K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 199 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $99K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $99K |
| Prescription drug | HEALTH OPTIONS, INC. | 132 | $861K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.