| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | HARTFORD LIFE AND ACCIDENT | $32K | $0 | $32K | 3.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $11K | $11K | 1.37% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMINICATION, LLC | 6230 FAIRVIEW DRIVE ROAD, SUITE 210 CHARLOTTE, NC 28210 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 0.23% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | WYSSTA INSURANCE COMPANY, INC. | $10K | $0 | $10K | 7.95% |
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 | 1,482 | 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) | 1,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY, INC. | 937 | $124K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,153 | $839K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,153 | $839K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,153 | $839K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,482 | $839K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,482 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.