| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | HEALTH RESOURCES INC. | $114K | — | $114K | 1.98% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $182K | — | $182K | 12.83% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | — | $7K | $7K | 0.50% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $193K | — | $193K | 20.00% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING LLC | 1099 EIGHTEENTH ST STE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $52K | $52K | 5.44% |
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 | 7,884 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 11,267 | $964K |
| Dental | HEALTH RESOURCES INC. | 18,636 | $5.7M |
| Vision | VISION SERVICE PLAN | 7,179 | $1.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 11,267 | $964K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,636 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.