| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARCHON LLC3 Filed as: ARCHON | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $85K | $85K | 3.19% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $19K | $19K | 0.71% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WISCONSIN, INC. | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $130K | $0 | $130K | 11.26% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $101K | $13K | $114K | 9.83% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $104K | $104K | 9.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $9K | — | $9K | 1.85% |
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 | 5,470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,631 | $476K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,470 | $2.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,470 | $2.7M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 3,921 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,470 | — |
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.