| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | SEAN DUGAN P.O. BOX 1414 MINNEAPOLIS, MN 554801414 | HEALTH OPTIONS, INC. | $34K | — | $34K | 2.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO ROAD, SUITE 200W BOCA RATON, FL 33431 | HEALTH OPTIONS, INC. | $25K | — | $25K | 1.90% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | SEAN DUGAN P.O. BOX 1414 MINNEAPOLIS, MN 55480 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 2.42% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO ROAD, SUITE 200W BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 2.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 7.35% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P O BOX 632886 CINCINNATI, OH 452632886 | HUMANA INSURANCE COMPANY | $3K | $177 | $3K | 3.60% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1000 S PINE ISLAND ROAD SUITE 225 PLANTATION, FL 33324 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 12.45% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | COMPBENEFITS COMPANY | $1K | — | $1K | 7.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P O BOX 632886 CINCINNATI, OH 452632886 | COMPBENEFITS COMPANY | $680 | $116 | $796 | 4.04% |
| 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 | $989 | $931 | $2K | 12.46% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $707 | — | $707 | 4.59% |
| 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 | $952 | $898 | $2K | 12.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $713 | — | $713 | 4.71% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 205 | $1.7M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 263 | $108K |
| Vision | HUMANA INSURANCE COMPANY | 263 | $88K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $15K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $43K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 205 | $1.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 289 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.