| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 2 PARK PLZ. SUITE 440 IRVINE, CA 92614 | BLUE SHIELD OF CALIFORNIA | $11K | $53K | $64K | 5.80% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 8TH STREET S STE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 4.80% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 8TH STREET S STE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN INC. | $51K | — | $51K | 49.82% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 8TH STREET S STE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $404 | $404 | 0.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST, SUITE 1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $404 | $404 | 0.99% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 8TH STREET S STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $593 | — | $593 | 3.13% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SO. 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | BLUE SHIELD OF CALIFORNIA | $1K | — | $1K | 15.00% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 173 | $1.3M |
| Vision | VISION SERVICE PLAN | 132 | $19K |
| Life insurance | BLUE SHIELD OF CALIFORNIA | 229 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $41K |
| Prescription drug(3 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 173 | $1.3M |
| Other(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 229 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.