| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 5800 GRANITE PKWY, SUITE 160A PLANO, TX 75024 | HEALTH CARE SERVICE CORPORATION (BLUE CROSS) | $45K | — | $45K | 5.74% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH ST., STE.700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | UNION SECURITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 5700 GRANITE PKWY SUITE 200 PLANO, TX 75024 | UNION SECURITY INSURANCE COMPANY | $3K | $422 | $4K | 14.96% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | UNITED SECURITY INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | UNITED DENTAL CARE OF TEXAS INC | — | — | $0 | 0.00% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION (BLUE CROSS) | 237 | $788K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 123 | $41K |
| Vision | UNITED SECURITY INSURANCE COMPANY | 109 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 171 | $77K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 171 | $101K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 171 | $77K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION (BLUE CROSS) | 237 | $784K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 171 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.