| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | BLUE CROSS BLUE SHIELD OF FLORIDA | $73K | $0 | $73K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | HEALTH OPTIONS, INC. | $16K | $0 | $16K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | TRULI | $10K | $0 | $10K | 5.00% |
| 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 | $14K | $0 | $14K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | 1000 SOUTH PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | FLORIDA COMBINED LIFE | $18K | $0 | $18K | 15.17% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | PO BOX 1414 MINNEAPOLIS, MN 55480 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MN 554850502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $884 | $0 | $884 | 3.83% |
| DANIEL CARRIAZO3 | 10805 SW 134 CT MIAMI, FL 331863318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $763 | $0 | $763 | 3.31% |
| 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 | $692 | $0 | $692 | 3.00% |
| ORLANDO SAAVEDRA3 | 3471 SW 143 CT MIAMI, FL 33175 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $269 | $0 | $269 | 1.17% |
| VOLUNTARY INS GROUP INC3 Filed as: VOLUNTARY INS GROUP | 231 SW 63RD TERR PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | $0 | $122 | 0.53% |
| CAROLINA CAPELLAN3 | 2206 S CYPRESS BEND DRIVE POMPANO BEACH, FL 33069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | $0 | $98 | 0.42% |
| CAYSPILAR GUILLEN3 | 7911 NW 11TH COURT PEMBROKE PINES, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | $0 | $92 | 0.40% |
| MICHELLE LAMPERT3 | 740 S FEDERAL HIGHWAY APT 412 POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | $0 | $90 | 0.39% |
| NESTOR URIBE3 | 2503 NW 52 ST BOCA RATON, FL 33496 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | $0 | $74 | 0.32% |
| JANETTE ZUNIGA3 | 24-01 19TH STREET #3 ASTORIA, NY 11102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | $0 | $51 | 0.22% |
| LAQUETA BAILEY3 | 2164 SIENA WAY HOLLYWOOD, FL 33021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.18% |
| GARY OLIVERA3 | 6320 ATLANTA STREET HOLLYWOOD, FL 33024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.09% |
| RAMON J FRIAS INC3 Filed as: RAMON J FRIAS INC. | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.06% |
| 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 | $1K | $0 | $1K | 8.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES - PLANTATION FL | NCB-88 PO BOX 1414 MINNEAPOIS, MN 55480 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $103 | $0 | $103 | 0.84% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $2.0M |
| Dental | FLORIDA COMBINED LIFE | 148 | $119K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 179 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $138K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $138K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $2.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.