| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $22K | 12.00% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.92% |
| JOHNSON RESOURCES3 | 7373 E. DOUBLETREE RANCH, STE. 200 SCOTTSDALE, AZ 85258 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $832 | — | $832 | 1.98% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $833 | $7K | 17.00% |
| CUSTOM INSURANCE SPECIALISTS INC3 Filed as: CUSTOM INSURANCE SPECIALISTS INC. | 866 E 3200 N KAMAS, UT 84036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $217 | $2K | 7.85% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $166 | $1K | 4.52% |
| JILL HUGHES3 | 6510 TAMARA DR. SALT LAKE CITY, UT 84129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $660 | $68 | $728 | 2.57% |
| DESIREE ROBERTSON3 | 5691 S. STONE BLUFFWAY TAYLORSVILLE, UT 84118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $36 | $532 | 1.88% |
| ALTON B BARTON3 Filed as: ALTON BARTON | 1911 MAYLIN DR. SALEM, VA 24153 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $68 | $191 | 0.67% |
| PATTI A VINCENT3 Filed as: PATTI VINCENT | 3489 W. 10305 SOUTH SOUTH JORDAN, UT 84095 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 0.58% |
| SAMUEL ERIC JOHNSON3 | 701 MORRISON AVE VINTON, VA 24179 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.43% |
| SUSAN MAE DANIEL3 Filed as: SUSAN LEACH | 4419 NE 131ST PL. PORTLAND, OR 97230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.16% |
| MORETON & COMPANY3 Filed as: FRED A MORETON AND CO | PO BOX 58139 SALT LAKE CITY, UT 84158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.12% |
| RAYMOND B LINGLE3 Filed as: RAYMOND LINGLE | 3812 CONCORD PL. ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $13 | $33 | 0.12% |
| CAMERON MARCUS MCWHINNEY3 | 434 WASHINGTON AVE SW #3 ROANOKE, VA 24016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $2 | $18 | 0.06% |
| NELLYN COX3 | 15825 EAST SUNFLOWER DR FOUNTAIN HILLS, AZ 85268 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.04% |
| CHRISTINE LYNN MORGESTER3 Filed as: CHRISTINE MORGESTER | 2137 N. Q ST. WASHOUGAL, WA 98671 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.03% |
| JOSEPH GROW III3 | 110 DICKINSON DR. BUENA VISTA, VA 22416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ISAACSON INSURANCE AGENCY LLC3 | 1250 11TH ST. WEST LINN, OR 97068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 1,361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 1,361 | $21K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 541 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 963 | $228K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 963 | $187K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 963 | $187K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,361 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,361 | — |
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."
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.