| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLAN INC. | $193K | $0 | $193K | 3.22% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2321 ROSECRANS AVE STE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $469 | $60K | 15.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 2321 ROSECRANS AVE STE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $469 | $35K | 15.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 3.20% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 2321 ROSECRANS AVE STE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $469 | $29K | 15.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 80 SOUTH 8TH STREE SUITE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $13K | $0 | $13K | 10.21% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 2321 ROSECRANS AE STE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $469 | $18K | 15.41% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 24.48% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.43% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $610 | $8K | 22.81% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.16% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS, INC. | $3K | $460 | $4K | 13.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | PO BOX 1414 MINNEAPOLIS, MN 55480 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $933 | $0 | $933 | 3.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $461 | $6K | 22.29% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $787 | $787 | 3.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - CALIFORNIA | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2321 ROSECRANS AVE STE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $469 | $3K | 17.54% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC - CALIFORNIA | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.91% |
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 | 970 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 589 | $6.4M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 0 | $20K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 1,244 | $149K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 970 | $665K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 983 | $115K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $188K |
| Prescription drug(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 589 | $6.3M |
| Other(7 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 970 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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.