| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES INC | 2 PARK PLAZA STE 440 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $37 | $82K | 19.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.21% |
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES INC | 2 PARK PLAZA STE 440 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $37 | $24K | 6.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $16K | $0 | $16K | 10.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 1.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $0 | $37 | $37 | 0.02% |
| ADVACNED LTC INSURANCE SERVICES, LL3 | PO BOX 261456 ENCINO, CA 914261456 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.49% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | METROPOLITAN LIFE INSURANCE COMPANY | $754 | $0 | $754 | 1.08% |
| F B P INSURANCE SERVICES DBA PRECEP3 | 130 THEORY ST #200 IRVINE, CA 92617 | METROPOLITAN LIFE INSURANCE COMPANY | $391 | $0 | $391 | 0.56% |
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 | 6,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 16,820 | $45.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 9,960 | $1.8M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,493 | $1.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,489 | $794K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 9,960 | $1.8M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 9,960 | $1.8M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,493 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,820 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.