| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | $66K | $119K | 3.86% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC. | 12712 PARK CENTRAL DR., STE. 100 DALLAS, TX 752511527 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $62K | $62K | 2.02% |
| HOLMES MURPHY & ASSOCIATES3 | 12712 PARK CENTRAL DR., STE. 100 DALLAS, TX 752511527 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.55% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 8.22% |
| TBX EMPLOYEE BENEFITS LLC3 | 1201 ELM ST., STE. 4250 DALLAS, TX 75270 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 12.44% |
| HOLMES MURPHY & ASSOCIATES3 | 3333 LEE PARKWAY, STE. 900 DALLAS, TX 75219 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 11.84% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | TRUSTMARK INSURANCE COMPANY | $92 | — | $92 | 0.42% |
| JOE FERNANDEZ3 | 3520 VANGUARD DR. FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $84 | — | $84 | 0.39% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $3.1M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $3.1M |
| Other | TRUSTMARK INSURANCE COMPANY | 0 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.