| 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 | $22K | $4K | $26K | 17.80% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $14K | $2K | $16K | 17.28% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $10K | $2K | $12K | 17.80% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| AMERICAN WORKSITE INSURANCE MKTG3 | 1365 WEST VISTA WAY, STE. 201 VISTA, CA 92083 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.73% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | BENEFITS TECHNOLOGIES DIV 06, LLC 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE COMPANY | $431 | — | $431 | 1.04% |
| JAMES BARRETT3 | 8360 E CACTUS WREN RD SCOTTSDALE, AZ 85250 | TRANSAMERICA LIFE INSURANCE COMPANY | $125 | — | $125 | 0.30% |
| 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 | $10K | $1K | $11K | 32.43% |
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 | 456 | 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) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $33K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 402 | $56K |
| Life insurance | STANDARD INSURANCE COMPANY | 456 | $148K |
| Short-term disability | STANDARD INSURANCE COMPANY | 456 | $69K |
| Long-term disability | STANDARD INSURANCE COMPANY | 456 | $93K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 165 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.