| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $474 | $5K | 11.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 8.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $378 | $3K | 11.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 8.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $339 | $3K | 11.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 8.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 21.03% |
| STRATEGIC NON-MEDICAL SOLUTION3 | 75 STATE ST. STE 1710 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| HAYS COMPANIES, INC.3 | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $331 | $46 | $377 | 11.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 1 BEACON ST BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $287 | $287 | 8.83% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $25K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $28K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 55 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $40K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.