| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 100 RIAL TO PLACE STE 900 MELBOURNE, FL 32901 | HARTFORD LIFE & ACCIDENT | $0 | $13K | $13K | 1.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE & ACCIDENT | $13K | $0 | $13K | 1.11% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | HARTFORD LIFE & ACCIDENT | $9K | $0 | $9K | 0.77% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1125 17TH ST STE 1710 DENVER, CO 80202 | HARTFORD LIFE & ACCIDENT | $120 | $0 | $120 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $951 | $8K | 5.38% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $865 | $7K | 5.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | VISION SERVICE PLAN | $663 | $0 | $663 | 0.65% |
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 | 850 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 831 | $592K |
| Vision | VISION SERVICE PLAN | 648 | $102K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 1,078 | $1.3M |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 1,078 | $1.1M |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 1,078 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 1,078 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,078 | — |
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.