| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: CONTINENTAL AMERICAN INSURANCE CO. | VARIOUS AGENTS POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $503K | — | $503K | 24.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $143K | $15K | $158K | 8.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $75K | — | $75K | 3.94% |
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $30K | $6K | $36K | 4.69% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | — | $16K | 2.01% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | ALPHA DENTAL PROGRAMS, INC. | $35K | — | $35K | 6.08% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 606731298 | ALPHA DENTAL PROGRAMS, INC. | $14K | — | $14K | 2.40% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | ALPHA DENTAL PROGRAMS, INC. | $13K | — | $13K | 2.35% |
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES OF TEXAS | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $47K | — | $47K | 8.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON, TX | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 1.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS, INC. | $7K | $532 | $8K | 5.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS, INC. | $7K | $142 | $7K | 4.44% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 1350 BAYSHORE HIGHWAY 218 BURLINGAME, CA 94010 | METLIFE LEGAL PLANS, INC. | — | $354 | $354 | 0.24% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD SUITE 2500 DALLAS, TX 75201 | METLIFE LEGAL PLANS, INC. | — | $73 | $73 | 0.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES OF TEXAS | 5858 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $309 | — | $309 | 8.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - HOUSTON, TX | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $55 | — | $55 | 1.51% |
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 | 8,975 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC PHYSICIANS, P.A. | 5,937 | $142K |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 2,078 | $570K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 8,477 | $559K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 8,975 | $1.9M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,712 | $771K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 8,975 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,975 | — |
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.