| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 1.08% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $198 | $198 | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WISCONSIN, INC. | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WISCONSIN, INC. | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 4.41% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 3.20% |
| HAYS COMPANIES, INC.3 Filed as: JAMES C. HAYS | 1672 MEDINA ROAD MEDINA, MN 55356 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $391 | $0 | $391 | 7.52% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: PACIFIC GUARDIAN LIFE | 1440 KAPIOLANI BOULEVARD, SUITE1700 HONOLULU, HI 96814 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $388 | $0 | $388 | 7.46% |
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 | 1,378 | 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) | 1,378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 19 | $254K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 474 | $110K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,111 | $317K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,111 | $323K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,111 | $317K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 19 | $254K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,378 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,378 | — |
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.