| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 1350 BAYSHORE HWY SUITE 218 BURLINGAME, CA 94010 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $77 | $44K | 5.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1350 BAYSHORE HWY SUITE 218 BURLINGAME, CA 94010 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $77 | $45K | 9.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | — | TRANSAMERICA | $57K | $0 | $57K | 86.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1350 BAYSHORE HWY SUITE 218 BURLINGAME, CA 94010 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $77 | $3K | 6.84% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $492 | $492 | 1.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1350 BAYSHORE HWY SUITE 218 BURLINGAME, CA 94010 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $77 | $5K | 16.82% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $319 | $319 | 1.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 1350 BAYSHORE HWY SUITE 218 BURLINGAME, CA 94010 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $77 | $4K | 23.58% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $224 | $224 | 1.44% |
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 | 944 | 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) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,690 | $761K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,690 | $827K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,217 | $533K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,217 | $452K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,690 | $839K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,690 | — |
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.