| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | — | CALIFORNIA PHYSICIANS' SERVICE | $50K | $8K | $58K | 5.77% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $77 | $6K | 5.89% |
| AXA ASSISTANCE, USA5 | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $56 | $56 | 0.06% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | — | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 8.02% |
| SUSIE A ESTRADA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $927 | $281 | $1K | 3.14% |
| MARC DOUGLAS SCHNEIDER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $936 | $6 | $942 | 2.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $784 | $89 | $873 | 2.27% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $759 | $11 | $770 | 2.00% |
| RALPH F REA JR3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | — | $494 | 1.28% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INSURANCE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | — | $335 | 0.87% |
| JOHN D EVANGELISTA3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $72 | $202 | 0.52% |
| CHARLES D. BLOCK3 Filed as: CHARLES DUANE SMITH | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.51% |
| KENNETH D WONG3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.39% |
| MIKE MCCORMICK3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.21% |
| DUSTIN SNYDER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| PACIFIC BAY INSURANCE GROUP INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | — | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | — | $3K | 8.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | — | VISION SERVICE PLAN | $1K | — | $1K | 5.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | GUARDIAN | $345 | — | $345 | 5.42% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | — | GUARDIAN | $278 | — | $278 | 4.36% |
| LOCKTON COMPANIES, LLC3 | — | GUARDIAN | $204 | — | $204 | 3.20% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | — | GUARDIAN | $16 | — | $16 | 0.25% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST. STE. 700 MINNEAPOLIS, MN 55402 | HOLMAN FAMILY COUNSELING, INC. | $193 | — | $193 | 4.99% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 251 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 180 | $82K |
| Vision | VISION SERVICE PLAN | 115 | $21K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $97K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $39K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $97K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 251 | $1.0M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 153 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.