| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $83K | — | $83K | 5.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSET LOOP SUITE 104 MANASSAS, VA 20109 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $1K | $1K | 0.08% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 1350 BAYSHORE HWY STE 218 BURLINGAME, CA 94010 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $346 | — | $346 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 2 PARK PLZ STE 440 IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $4K | $842 | $5K | 18.27% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $0 | $387 | $387 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 2 PARK PLZ STE 440 IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $4K | $649 | $4K | 17.77% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $0 | $351 | $351 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 2 PARK PLZ STE 440 IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $3K | $743 | $4K | 18.38% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $0 | $330 | $330 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 2 PARK PLZ STE 440 IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPANY(MUTUAL OF OMAHA) | $2K | $548 | $3K | 18.45% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY(MUTUAL OF OMAHA) | $0 | $239 | $239 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 2 PARK PLZ STE 440 IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $2K | $750 | $2K | 21.46% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $0 | $174 | $174 | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 2 PARK PLZ STE 440 IRVINE, CA 92614 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $932 | $750 | $2K | 27.09% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | $0 | $93 | $93 | 1.50% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 227 | $1.6M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 227 | $1.6M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 227 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | 151 | $39K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | 38 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | 151 | $22K |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 227 | $1.6M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY (MUTUAL OF OMAHA) | 151 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.