| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | BLUE CROSS & BLUE SHIELD OF TEXAS | $19K | $0 | $19K | 1.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | BLUE CROSS & BLUE SHIELD OF TEXAS | $15K | $0 | $15K | 1.31% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 12.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.84% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $735 | $2K | 2.72% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.50% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LEGALEASE | $262 | $0 | $262 | 10.01% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS & BLUE SHIELD OF TEXAS | 176 | $1.1M |
| Dental | BLUE CROSS & BLUE SHIELD OF TEXAS | 176 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 61 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $85K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $85K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $85K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF TEXAS | 176 | $1.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS & BLUE SHIELD OF TEXAS | 176 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.