| 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 | $0 | $42K | $42K | 0.26% |
| SECURUS TECHNOLOGIES, LLC3 | 400 INTERNATIONAL PARKWAY CARROLLTON, TX 75007 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $3 | $3 | 0.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $74K | $7K | $81K | 3.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.37% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.23% |
| HAYS COMPANIES, INC.3 | PO BOX 1414 NCB88 MINNEAPOLIS, MN 55480 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $77 | $77 | 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 | 1,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 2,264 | $16.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,733 | $2.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,733 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,733 | $2.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,733 | $2.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,733 | $2.7M |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 2,264 | $16.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,733 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,733 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.