| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80S 8TH STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 15.38% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80S 8TH ST STE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.37% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 16.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80S 8TH ST STE 700 MINNEAPOLIS, MN 554025345 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.62% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 19.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $442 | $6K | 7.70% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $546 | $24 | $570 | 0.74% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $2K | $18K | 25.49% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFIT GROUP LLC | 80S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $345 | $7K | 9.54% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $857 | $27 | $884 | 1.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET STE 700 MINNEAPOLIS, MN 554025345 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | HYATT LEGAL PLANS | $2K | — | $2K | 9.60% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $77K |
| Vision | VISION SERVICE PLAN | 323 | $63K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $185K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $196K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $196K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.