| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET, SUITE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $286K | $132K | $417K | 6.97% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $14K | $3K | $17K | 0.28% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $353K | $26K | $379K | 20.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MINNESOTA, INC. | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $20K | — | $20K | 2.50% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $17K | — | $17K | 2.08% |
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 | 11,656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPLOYER DIRECT HEALTHCARE, LLC D/B/A LANTERN SPECIALTY CARE | 15,099 | $512K |
| Vision | VISION SERVICE PLAN | 5,947 | $818K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 11,656 | $6.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 11,656 | $6.0M |
| Prescription drug | EMPLOYER DIRECT HEALTHCARE, LLC D/B/A LANTERN SPECIALTY CARE | 15,099 | $512K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 11,656 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,099 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.