| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N. MAYFAIR RD STE 100 MILWAUKEE, WI 532263286 | RELIASTAR LIFE INSURANCE COMPANY | $44K | — | $44K | 10.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 N. MAYFAIR RD STE 100 MILWAUKEE, WI 532263283 | RELIASTAR LIFE INSURANCE COMPANY | $27K | — | $27K | 6.39% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 MILWAUKEE, WI 532263283 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $919 | $919 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $890 | — | $890 | 2.19% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $330 | $1K | 6.21% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN GENERAL INSURANCE COMPANY | $732 | $98 | $830 | 3.62% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | SHELTERPOINT LIFE INSURANCE COMPANY | $718 | — | $718 | 4.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | SHELTERPOINT LIFE INSURANCE COMPANY | $444 | — | $444 | 3.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 901 MARQUETTE AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | SHELTERPOINT LIFE INSURANCE COMPANY | $321 | — | $321 | 2.19% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVE STATEN ISLAND, NY 103142157 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $894 | — | $894 | 14.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 980 WASHINGTON ST SUITE 325 DEDHAM, MA 02026 | SHELTERPOINT LIFE INSURANCE COMPANY | $81 | — | $81 | 2.64% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | 1,279 | $6K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 844 | $41K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,279 | $434K |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 700 | $453K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 700 | $428K |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,279 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,279 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.