| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC DBA HAYS COMPANIES | PO BOX 1414 MINNEAPOLIS, MN 554801414 | HEALTH OPTIONS INC | $47K | — | $47K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC DBA HAYS COMPANIES | PO BOX 1414 MINNEAPOLIS, MN 554801414 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. DBA HAYS COMPANIES | PO BOX 1414 MINNEAPOLIS, MN 554801414 | FLORIDA COMBINED LIFE | $8K | — | $8K | 9.21% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 6711 COLUMBIA GATEWAY DR 450 COLUMBIA, MD 21046 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.56% |
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $491 | $4K | 13.93% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP, INC. | 1000 S PINE ISLAND RD PLANTATION, FL 33324 | BLUECROSS BLUESHIELD OF FLORIDA INC. | $1K | — | $1K | 8.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC DBA HAYS COMPANIES | PO BOX 1414 MINNEAPOLIS, MN 554801414 | FLORIDA COMBINED LIFE | $2K | — | $2K | 14.78% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS INC | 127 | $1.4M |
| Dental(2 contracts) | FLORIDA COMBINED LIFE | 119 | $93K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 268 | $65K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10 | $27K |
| Other | HARTFORD LIFE AND ACCIDENT | 268 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.