| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | BLUECROSS BLUESHIELD OF ILLINOIS | $136K | $3K | $139K | 3.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WISCONSIN, INC. | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | BLUECROSS BLUESHIELD OF ILLINOIS | $12K | — | $12K | 0.31% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $10K | $36K | 23.03% |
| ARCHON BENEFITS & INSURANCE SERVICE3 Filed as: ARCHON BENEFITS & INSURANCE SVCS. | 140 ANGORA COURT DANVILLE, CA 94506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.76% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.65% |
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 | 740 | 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) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 503 | $3.8M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 503 | $3.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 363 | $39K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 740 | $158K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 740 | $158K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 740 | $158K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 503 | $3.8M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 740 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.