| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC DBA HAYS COMPANIES | SEAN DUGAN PO BOX 1414 MINNEAPOLIS, MN 55480 | HEALTH OPTIONS, INC. | $58K | — | $58K | 4.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC DBA HAYS COMPANIES | SEAN DUGAN PO BOX 1414 MINNEAPOLIS, MN 55480 | BLUE CROSS BLUE SHIELD OF FLORIDA | $19K | — | $19K | 4.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $4K | $23K | 12.68% |
| LISA MARIE OTERO3 | 23230 ISLAND VIEW BOCA RATON, FL 33433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.95% |
| ANDREA BROWNING3 | 145 19TH AVE SE ST PETERSBURG, FL 33705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.87% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 12002 SW 128TH CT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 1.67% |
| BENJAMIN DARANG3 | 2901 NW 48 AVE APT 167 LAUDERDALE LAKES, FL 33313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $50 | $3K | 1.66% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $78 | $2K | 1.34% |
| KARINA ALEXANDRA BARRIOS3 | 2505 SW 18TH STREET FORT LAUDERDALE, FL 33312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $360 | $2K | 1.24% |
| THEODORE JAMES MCGONIGAL3 | 3525 BELLAND CIR CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $112 | $2K | 1.01% |
| ALBERT SIDO3 | 2113 DAVIE BLVD #145 FORT LAUDERDALE, FL 33312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $54 | $2K | 0.93% |
| GINA MARIE MARTINEZ3 | 2401 NE 65TH STREET FT LAUDERDALE, FL 33308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $830 | $20 | $850 | 0.48% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $492 | $88 | $580 | 0.33% |
| TRANSCEND TECHNOLOGIES GROUP, INC.3 Filed as: TRANSCEND TECHNOLOGIES GROUP INC | 9401 E STOCKTON BLVD ELK GROVE, CA 95624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | — | $491 | 0.28% |
| CRAIG WAYNE SOTTILE3 | 408 CEDAR PINES DR GREENVILLE, SC 29615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | $8 | $435 | 0.24% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $118 | $261 | 0.15% |
| MICHEL GUTIERREZ3 | 29244 SW 142ND PLACE HOMESTEAD, FL 33033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.11% |
| DUPUY & ASSOCIATES INC3 | P O BOX 1131 ESTERO, FL 33928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 0.10% |
| MARIA D KADALA3 | 1830 N. UNIVERSITY DR. PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.10% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $10 | $132 | 0.07% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.07% |
| WILLIAM ALFRED ROCKER3 | 16920 SW 78TH PLACE PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 0.05% |
| JUDITH I VIDAL3 | 7280 STIRLING RD HOLLYWOOD, FL 33024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.04% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $2 | $66 | 0.04% |
| STALTARE BENEFITS INC3 | 700 E ATLANTIC BLVD POMPANO BEACH, FL 33060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.03% |
| DORIS JUDITH BEJARANO3 | 2114 N FLAMINGO RD PEMBROKE PINES, FL 33028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.03% |
| WALTER LUISENRIQUE BENITEZ3 | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $7 | $55 | 0.03% |
| LAWRENCE DAVID FURNISS3 | 12825 SW 112 TERRACE MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.02% |
| BRITO BENEFITS SOLUTIONS INC3 | 14716 SOUTHWEST 112 TER MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $14 | $40 | 0.02% |
| VIVIAN PLETZKE3 | 1057 HILLSBORO MILE HILLSBORO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| CAROLYN GROVER3 | 206 FOX CHAPEL DR IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $2 | $33 | 0.02% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $7 | $21 | 0.01% |
| TILTON ASSOCIATES INC3 | 4141 NW 10 ST COCONUT CREEK, FL 33066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| FRANCES PUELS-RICCARDI3 | 7822 NW 62ND TERRACE PARKLAND, FL 33067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 8.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 1.18% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1000 S PINE ISLAND RD STE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 14.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | COMPBENEFITS COMPANY | $2K | — | $2K | 9.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | COMPBENEFITS COMPANY | $197 | — | $197 | 0.90% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 179 | $1.7M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 107 | $107K |
| Vision | HUMANA INSURANCE COMPANY | 107 | $85K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $63K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 179 | $1.7M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 252 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.