| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIALTO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.19% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | — | -$889 | -$889 | -0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 0.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $46K | — | $46K | 4.95% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES LLC | 100 CAMPUS DR STE 200 FLORHAM PARK, NJ 079321029 | VISION SERVICE PLAN | -$23K | — | -$23K | -2.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126K | — | $126K | 24.45% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43K | $8K | $51K | 9.96% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 0.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | ARAG SERVICES, LLC | $30K | — | $30K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44K | — | $44K | 15.74% |
| BUCK GLOBAL LLC3 | BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC (GA) | 4555 MANSELL ROAD SUITE 300 ALPHARETTA, GA 30022 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $1K | $20K | $21K | 8.11% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 2.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES (MN) | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $885 | — | $885 | 0.45% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1325 4TH AVENUE STE 1425 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $921 | — | $921 | 0.51% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES LLC | 450 LEXINGTON AVE WEWORK 4TH FLOOR NEW YORK, NY 10017 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $37 | — | $37 | 0.02% |
| LTCI PARTNERS LLC3 | 2924 MARKETPLACE DR SUITE 102 MADISON, WI 53719 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.80% |
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 | 4,804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,644 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 9,204 | $4.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,160 | $459K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,258 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 19,802 | $3.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 19,802 | $3.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 19,802 | $3.1M |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 20,782 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,782 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.