| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | HEALTH OPTIONS | $59K | — | $59K | 4.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 4.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $4K | $27K | 18.65% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 7.41% |
| GINA MARIE MARTINEZ3 Filed as: GINA MARTINEZ | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 2.79% |
| TRANSCEND TECHOLOGIES GROUP INC3 | 9401 E. STOCKTON BLVD. ELK GROVE, CA 95624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.50% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG SOTTILE | 324 BROOKLAND WAY WEST COLUMBIA, SC 29169 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.87% |
| FELIPE CARLOS BARREDA3 Filed as: FELIPE BARREDA | 1205 MARIPOSA AVE., APT. 227 CORAL GABLES, FL 33146 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $128 | $2K | 1.16% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING RD. HOLLYWOOD, FL 33024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $908 | $342 | $1K | 0.88% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $811 | $303 | $1K | 0.78% |
| MARIA D KADALA3 Filed as: MARIA DOLORES KADALA | 1830 N. UNIVERSITY DR. PLANTATION, FL 33322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $917 | $162 | $1K | 0.76% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE. DAVIE, FL 33331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $480 | $514 | $994 | 0.70% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $332 | $436 | $768 | 0.54% |
| LISA PEREZ-ARCHE3 | 4215 SW SANTA BARBARA PL. CAPE CORAL, FL 33914 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $679 | — | $679 | 0.48% |
| GRAEM M CLARK3 Filed as: GRAEM CLARK | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $182 | $216 | $398 | 0.28% |
| DORIS JUDITH BEJARANO3 Filed as: DORIS BEJARANO | 2114 N. FLAMINGO RD. PEMBROKE PINES, FL 33028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $285 | — | $285 | 0.20% |
| THEODORE JAMES MCGONIGAL3 | 7451 S.ARAGON BLVD. SUNRISE, FL 33313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $1 | $257 | 0.18% |
| DUPUY & ASSOCIATES INC3 Filed as: DUPUY & ASSOCIATES INC. | P. O. BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $198 | — | $198 | 0.14% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.09% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $56 | $123 | 0.09% |
| JOSEPH GANNON3 | 3047 GARFIELD ST. HOLLYWOOD, FL 33021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.06% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.05% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S. BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.05% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR. IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $7 | $40 | 0.03% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DR. PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.03% |
| MARIA PULIDO3 | 2844 SW 165TH AVE. MIRAMAR, FL 33027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.03% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC. | 14716 SW 112 TERR. MIAMI, FL 33027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $15 | $24 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 9.92% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $274 | $7K | 11.47% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | COMPBENEFITS COMPANY | $2K | — | $2K | 9.93% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.26% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 191 | $1.8M |
| Dental(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 124 | $96K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $58K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $72K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $72K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 191 | $1.8M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 256 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.