| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1325 4TH AVENUE SUITE1425 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | — | $34K | 9.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $18K | $18K | 5.18% |
| HAYS COMPANIES, INC.3 | 5285 SW MEADOWS ROAD, SUITE 451 LAKE OSWEGO, OR 97035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.06% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34 SOUTH BUILDING C-2 MANASQUAN, NJ 08736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.20% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 7855 S RIVER PARKWAY SUITE 210 TEMPE, AZ 85284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.17% |
| HAYS COMPANIES, INC.3 | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 17.28% |
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 | 680 | 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) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 382 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 680 | $354K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 680 | $354K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 680 | $354K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 680 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.