| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $129K | — | $129K | 9.16% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $276 | $276 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14K | $14K | 1.55% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.23% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $15 | $17K | 8.81% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $599 | $8K | 3.94% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $15 | $14K | 8.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $489 | $6K | 3.96% |
| WESTON BRYAN3 | 3741 SHADY HILL DR DALLAS, TX 75229 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.66% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PKWY STE 260 PLANO, TX 75093 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.66% |
| ERIK TEMPLIN3 | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.64% |
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 | 1,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,093 | $349K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,883 | $919K |
| Vision | VISION SERVICE PLAN | 1,275 | $161K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,494 | $1.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,494 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,494 | $1.5M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,494 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,883 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.