| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAY'S COMPANIES INC. | 2321 ROSECRANS AVE, SUITE 2240 EL SEGUNDO, CA 90245 | CALIFORNIA PHYSICIANS SERVICE | $0 | $106 | $106 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 901 MARQUETTE AVE. SUITE 1800 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.57% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.95% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 8.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $360 | $7K | 21.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | 701 UNIVERSITY AVE. STE 100 SACRAMENTO, CA 95825 | METROPOLITAN LIFE INSURANCE COMPANY | $36 | — | $36 | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $385 | $7K | 19.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 701 UNIVERSITY AVE. STE 100 SACRAMENTO, CA 95825 | METROPOLITAN LIFE INSURANCE COMPANY | $88 | — | $88 | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $599 | $599 | 2.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $217 | $3K | 18.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | 701 UNIVERSITY AVE. STE 100 SACRAMENTO, CA 95825 | METROPOLITAN LIFE INSURANCE COMPANY | $71 | — | $71 | 0.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | ARAG INSURANCE COMPANY | $934 | — | $934 | 10.00% |
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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 341 | $4.2M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 341 | $2.9M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 341 | $2.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $53K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 341 | $4.1M |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 403 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.