| 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 | BLUE CROSS BLUE SHIELD OF FLORIDA | $61K | — | $61K | 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 | $11K | $1K | $13K | 8.12% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 3.19% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE, APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $30 | $2K | 1.09% |
| TRANSCEND TECHOLOGIES GROUP INC3 | 9401 E. STOCKTON BLVD. ELK GROVE, CA 95624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.08% |
| GINA MARIE MARTINEZ3 Filed as: GINA MARTINEZ | 2401 NE 65TH ST. FT. LAUDERDALE, FL 33308 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $336 | $2K | 0.99% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PL. MIAMI, FL 33196 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $930 | $234 | $1K | 0.75% |
| LAWRENCE DAVID FURNISS3 Filed as: LAWRENCE FURNISS | 12825 SW 112 TERR MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $602 | $471 | $1K | 0.70% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG SOTTILE | 408 CEDAR PINES DR. GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $810 | $153 | $963 | 0.62% |
| WILLIAM ALFRED ROCKER3 Filed as: WILLIAM ROCKER | 16920 SW 78TH PL PALMETTO BAY, FL 33157 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $856 | $37 | $893 | 0.58% |
| JUDITH I VIDAL3 Filed as: JUDITH VIDAL | 7280 STIRLING RD. HOLLYWOOD, FL 33024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $530 | $4 | $534 | 0.35% |
| VIVIAN PLETZKE3 | 1057 HILLSBORO MILE HILLSBORO BEACH, FL 33062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $467 | $21 | $488 | 0.32% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $133 | $340 | 0.22% |
| MARIA D KADALA3 Filed as: MARIA DOLORES KADALA | 1830 N. UNIVERSITY DR. PLANTATION, FL 33322 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $224 | $8 | $232 | 0.15% |
| DUPUY & ASSOCIATES INC3 Filed as: DUPUY & ASSOCIATES INC. | P. O. BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 0.13% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR. LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $82 | $172 | 0.11% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE. DAVIE, FL 33331 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $65 | $156 | 0.10% |
| FELIPE CARLOS BARREDA3 Filed as: FELIPE BARREDA | 1205 MARIPOSA AVE., APT. 227 CORAL GABLES, FL 33146 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.09% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN RD. DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.09% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115 | $17 | $132 | 0.09% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S. BOCA RATON, FL 33498 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $15 | $100 | 0.06% |
| LISSY PEREZ-ARCHE3 | 4215 SW SANTA BARBARA PL. CAPE CORAL, FL 33914 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $4 | $74 | 0.05% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS INC. | 700 E. ATLANTIC BLVD. POMPANO BEACH, FL 33060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.04% |
| THEODORE JAMES MCGONIGAL3 | 7451 S.ARAGON BLVD. SUNRISE, FL 33313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DR. PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.03% |
| DORIS JUDITH BEJARANO3 Filed as: DORIS BEJARANO | 2114 N. FLAMINGO RD. PEMBROKE PINES, FL 33028 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| FRANCES PUELS-RICCARDI3 | 7822 NW 62ND TERR PARKLAND, FL 33067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $1 | $37 | 0.02% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 ST COCONUT BEACH, FL 33066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $10 | $29 | 0.02% |
| CAROL BARNES3 | 2561 FALCON RIDGE DR GRAYSON, GA 30017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $3 | $24 | 0.02% |
| JOSEPH GANNON3 | 3047 GARFIELD ST. HOLLYWOOD, FL 33021 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| DESIREE WENDELL3 | 40771 FENIAN WAY NORTH BRANCH, MN 55056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.01% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $3 | $5 | 0.00% |
| MARC A GROVE3 Filed as: MARC GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $7K | $359 | $7K | 10.48% |
| 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 | $7K | $2K | $9K | 14.35% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | COMPBENEFITS COMPANY | $2K | $312 | $3K | 11.25% |
| 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 | 9.28% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 206 | $1.8M |
| Dental(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 117 | $108K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $61K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $61K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 206 | $1.8M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 267 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.