| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | BLUECROSS BLUESHIELD OF TEXAS | $18K | $23K | $41K | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | BLUECROSS BLUESHIELD OF TEXAS | $13K | $2K | $15K | 0.11% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $58K | $73K | $131K | 8.91% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $99 | $18K | 2.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $99 | $9K | 1.04% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.84% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE W2600 MINNEAPOLIS, MN 55402 | ZURICH AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 8.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.47% |
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 | 906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 1,769 | $12.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,826 | $836K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,826 | $836K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 906 | $1.5M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 906 | $1.5M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 906 | $1.5M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 1,769 | $12.9M |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 906 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,826 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.