| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $18K | $4K | $23K | 17.09% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $9K | $2K | $12K | 17.08% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $8K | $2K | $11K | 17.08% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 9.98% |
| AMERICAN WORKSITE INSURANCE MKTG3 | 1365 WEST VISTA WAY, STE. 201 VISTA, CA 92083 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | BENEFITS TECHNOLOGIES DIV 06, LLC 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE COMPANY | $457 | — | $457 | 1.01% |
| JAMES BARRETT3 | 8360 E CACTUS WREN RD SCOTTSDALE, AZ 85250 | TRANSAMERICA LIFE INSURANCE COMPANY | $127 | — | $127 | 0.28% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 29.51% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $32K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,140 | $54K |
| Life insurance | STANDARD INSURANCE COMPANY | 463 | $133K |
| Short-term disability | STANDARD INSURANCE COMPANY | 463 | $62K |
| Long-term disability | STANDARD INSURANCE COMPANY | 463 | $68K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 204 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,140 | — |
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.