| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | PO BOX 1414 NCB-88 MINNEAPOLIS, MN 55480 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $36K | $36K | 3.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - MINNESOTA | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $26K | $26K | 2.32% |
| 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 | $4K | $15K | 14.21% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | PO BOX 1414 MINNEAPOLIS, MN 55480 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.16% |
| 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 | $1K | $0 | $1K | 3.61% |
| DANIEL CARRIAZO3 | 10805 SW 134 CT MIAMI, FL 331863318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $864 | $0 | $864 | 3.01% |
| NESTOR URIBE3 | 2530 NW 52 ST BOCA RATON, FL 33496 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $498 | $0 | $498 | 1.74% |
| MICHELLE LAMPERT3 | 740 S FEDERAL HIGHWAY APT 412 POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $227 | $0 | $227 | 0.79% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INS GROUP | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | $0 | $151 | 0.53% |
| CAROLINA CAPELLAN3 | 2206 S CYPRESS BEND DRIVE POMPANO BEACH, FL 33069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | $0 | $147 | 0.51% |
| CAYSPILAR GUILLEN3 | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | $0 | $115 | 0.40% |
| RAMON J FRIAS INC3 | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | $0 | $94 | 0.33% |
| JANETTE ZUNIGA3 | 24-01 19TH STREET #3 ASTORIA, NY 11102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.28% |
| LAQUETA BAILEY3 | 2164 SIENA WAY HOLLYWOOD, FL 33021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.15% |
| GARY OLIVERA3 | 6320 ATLANTA STREET HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES - PLANTATION FL | NCB-88 PO BOX 1414 MINNEAPOIS, MN 55480 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | NCB-88 P.O. BOX 1414 MINNEAPOLIS, MN 55480 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $201 | $0 | $201 | 1.51% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYES GROUP INC. | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | AMERITAS LIFE INSURANCE CORP | $1K | $0 | $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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP | 128 | $8K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 178 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $104K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $104K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $104K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.