| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS INV | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $955 | $0 | $955 | 0.68% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.56% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF GEORGIA, INC. | PO BOX 749140 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.04% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $186 | $0 | $186 | 1.29% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | PO BOX 746600 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $186 | $0 | $186 | 1.29% |
| BROWN & BROWN INSURANCE SERVICES4 Filed as: BROWN & BROWN OF KANSAS, INC. | 7570 WEST 21ST STREET NORTH SUITE 1038A WICHITA, KS 67205 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 10.00% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID SERVICES, INC. DBA LEGALSHIELD | $774 | $0 | $774 | 7.00% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $132K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 431 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $140K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $140K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.