| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.11% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $38K | $38K | 5.78% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $107 | $107 | 0.02% |
| MORRIS & BOYLE3 Filed as: MORRIS AND BOYLE | 1850 MOUNT DIABLO BOULEVARD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $9K | $26K | 9.08% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS, INC. | 3390 PEACHTREE ROAD NE SUITE 101 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 5.20% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $8K | $8K | 2.91% |
| MADISON GROUP, INC.3 | 5299 DTC BOULEVARD, SUITE 1100 GREENWOOD VILLAGE, CO 80111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 2.73% |
| KENNETH C YARBROUGH3 Filed as: KENNETH C. YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 1.29% |
| DONALD EUGENE MORRIS3 | 1850 MOUNT DIABLO BOULEVARD SUITE 430 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.19% |
| GCG FINANCIAL LLC3 Filed as: MORRIS & BOYLE AN ALERA INS. AGENCY | 1850 MOUNT DIABLO BOULEVARD SUITE 430 WALNUT CREEK, CA 94596 | EXCEPTIONAL RISK ADVISORS | $11K | $0 | $11K | 12.14% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS, INC. | 375 NORTHRIDGE ROAD, SUITE 515 ATLANTA, GA 30350 | EXCEPTIONAL RISK ADVISORS | $11K | $0 | $11K | 12.14% |
| M FINANCIAL HOLDINGS INC3 Filed as: M. FINANCIAL GROUP | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97290 | EXCEPTIONAL RISK ADVISORS | $1K | $0 | $1K | 1.46% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 567 | $4.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 712 | $231K |
| Vision | VISION SERVICE PLAN | 290 | $40K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 576 | $659K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 576 | $659K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 567 | $4.6M |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 592 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 712 | — |
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."
No prospect flags tripped on this filing.