| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | $79K | $8K | $87K | 10.85% |
| STEFAN BOYLAND3 | 13853 EASTPOINTE WAY PALM BEACH GARDENS, FL 33418 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.87% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.66% |
| HEALTHBASE SOLUTIONS, INC.3 | 13853 EASTPOINTE WAY PALM BEACH GARDENS, FL 33418 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $152 | — | $152 | 0.91% |
| WESTCHESTER BENEFIT GROUP3 Filed as: WESTCHESTER BENEFIT GROUP INC. | 500 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $133 | — | $133 | 0.80% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $71 | — | $71 | 0.43% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| WESTCHESTER BENEFIT GROUP3 Filed as: WESTCHESTER BENEFIT GROUP, INC. | 500 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $23 | — | $23 | 1.37% |
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 | 1,190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 104 | $46K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 962 | $801K |
| Vision | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 808 | $128K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,190 | $794K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,190 | $794K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,190 | $794K |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,190 | $848K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,190 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.