| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | — | BLUECROSS BLUESHIELD OF TEXAS | $24K | $8K | $32K | 3.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | — | BLUECROSS BLUESHIELD OF TEXAS | $17K | $0 | $17K | 2.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGCY | 5850 GRANITE PARKWAY, STE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $18K | 19.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | DEARBORN LIFE INSURANCE COMPANY | $767 | $472 | $1K | 14.29% |
| KEVIN M PAILET3 | 8144 WALNUT LANE 16TH FLOOR DALLAS, TX 75231 | DEARBORN LIFE INSURANCE COMPANY | $98 | $0 | $98 | 1.13% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | — | USA LEGAL SERVICES | $563 | $0 | $563 | 14.67% |
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | — | USA LEGAL SERVICES | $137 | $0 | $137 | 3.57% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 170 | $838K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 170 | $838K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 96 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $93K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $93K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $93K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.