| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 18201 VON KARMAN AVE STE 1020 IRVINE, CA 92612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.12% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.68% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 5285 MEADOWS DR STE 451 LAKE OSWEGO, OR 97035 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $814 | — | $814 | 1.88% |
| GCG FINANCIAL LLC3 Filed as: DAVIDSON BENEFITS ALERA GROUP | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $590 | — | $590 | 1.36% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 5285 MEADOWS RD STE 451 LAKE OSWEGO, OR 970353166 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 11.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAYS GROUP INC EIN 41-1784898 BROKER | Insurance agents and brokers Service code 22 | — | $81K |
| DAVIDSON BENEFITS AN ALERA GROUP EIN 82-3721814 BROKER | Insurance agents and brokers Service code 22 | — | $61K |
| DISCOVERY BENEFITS CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $13K |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 556 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $484K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $484K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $484K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $484K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $484K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.