| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 16091 SWINGLEY RIDGE ROAD SUITE 160 CHESTERFIELD, MO 63017 | DELTA DENTAL INSURANCE COMPANY | $11K | $0 | $11K | 0.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PARK CENTRAL 7 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | DELTA DENTAL INSURANCE COMPANY | $8K | $0 | $8K | 0.61% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1125 17TH STREET, SUITE 400 DENVER, CO 80202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $57K | $56K | $113K | 16.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B JOHNSON FREEWAY DALLAS, TX 75240 | AMERICAN UNITED LIFE INSURANCE COMPANY | $39K | $8K | $47K | 6.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PARK CENTRAL 7 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 16091 SWINGLEY RIDGE ROAD SUITE 160 CHESTERFIELD, MO 63017 | ALPHA DENTAL PROGRAMS, INC. | $2K | $0 | $2K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PARK CENTRAL 7 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | ALPHA DENTAL PROGRAMS, INC. | $778 | $0 | $778 | 0.37% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 7.09% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 16091 SWINGLEY RIDGE ROAD SUITE 160 CHESTERFIELD, MO 63017 | UNITEDHEALTHCARE INSURANCE COMPANY | $225 | $0 | $225 | 0.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 1125 17TH STREET, SUITE 400 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $25 | $25 | 0.05% |
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 | 2,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 9 | $47K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL INSURANCE COMPANY | 3,320 | $1.5M |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,422 | $316K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,302 | $754K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,302 | $707K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,302 | $707K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 9 | $47K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,302 | $754K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,320 | — |
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.