| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1.65% |
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 749140 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $51 | $3K | 1.02% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER BENEFITS LLC THREEFLOW | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.01% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH ST DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $966 | $966 | 0.29% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 5850 GRANITE PKWAY STE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $139 | $139 | 0.04% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 3.47% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.38% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 15.70% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $981 | — | $981 | 1.39% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $6K | $671 | $7K | 20.59% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $6K | $718 | $6K | 21.04% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM INSURANCE COMPANY | $4K | $581 | $5K | 21.03% |
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 | 366 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 111 | $86K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,139 | $337K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 746 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $251K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $180K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $180K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,139 | — |
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.