| 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) | $38K | — | $38K | 4.41% |
| HIGGINBOTHAM INS AGENCY INC3 | 1321 W RANDOL MILL ROAD, SUITE 100 ARLINGTON, TX 76012 | HEALTH CARE SERVICE CORPORATION (BLUE CROSS) | $4K | — | $4K | 0.44% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 5800 GRANITE PKWY, SUITE 160A PLANO, TX 75024 | HEALTH CARE SERVICE CORPORATION (BLUE CROSS) | $1K | — | $1K | 0.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $132 | — | $132 | 0.27% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.39% |
| HIGGINBOTHAM INS AGENCY INC3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $73 | — | $73 | 0.60% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $753 | — | $753 | 7.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 18.21% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS AGENCY | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $28 | — | $28 | 0.49% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH CARE SERVICE CORPORATION (BLUE CROSS) | 243 | $903K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 183 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $27K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION (BLUE CROSS) | 243 | $850K |
| Other(6 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 173 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.