| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST.,STE.700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | — | $22K | $22K | 1.48% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 1.58% |
| TBX EMPLOYEE BENEFITS LLC3 Filed as: TBX EMPLOYEE BENEFITS, LLC | 1201 ELM ST. DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $205K | $4K | $209K | 63.18% |
| TBX EMPLOYEE BENEFITS LLC3 | 1201 ELM ST. SUITE 4250 DALLAS, TX 75270 | METROPOLITAN LIFE INSURANCE COMPANY | $118K | $3K | $121K | 46.66% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 7.99% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | HYATT LEGAL PLANS | $5K | $2K | $7K | 13.91% |
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 | 1,401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,507 | $685K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,718 | $1.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,870 | $159K |
| Life insurance | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,401 | $1.5M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,401 | $1.5M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,401 | $1.5M |
| Other(6 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 1,507 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,870 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.