| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | PO BOX 1414 MINNEAPOLIS, MN 554801414 | KAISER FOUNDATION HEALTH PLAN INC | $62K | — | $62K | 2.87% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | KAISER FOUNDATION HEALTH PLAN INC | $50K | — | $50K | 2.30% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $42K | — | $42K | 5.22% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $15K | — | $15K | 1.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $379 | $379 | 0.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 257 E 200 S SUITE 700 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $79K | — | $79K | 25.81% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 10004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 13.92% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | ARAG INSURANCE COMPANY | $305 | — | $305 | 5.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 770 MINNEAPOLIS, MN 55402 | ARAG INSURANCE COMPANY | $294 | — | $294 | 4.94% |
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 | 1,041 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 749 | $3.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $305K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 749 | $796K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 749 | $1.1M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $305K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 749 | $796K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 436 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.