| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWNERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $119K | $9K | $128K | 2.95% |
| HAYS COMPANIES, INC.4 Filed as: HAYS BENEFITS GROUP LLC | 800 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $6K | $44K | $50K | 1.16% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWNERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $132K | $8K | $140K | 3.75% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 554022105 | STANDARD INSURANCE COMPANY | $306 | $38K | $38K | 1.03% |
| STRATEGIC NON-MEDICAL SOLUTION3 | STE 17100 ONE BEACON ST BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 10.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWNERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 7.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | — | $43K | 7.35% |
| HAYS COMPANIES, INC.3 | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $18K | — | $18K | 14.04% |
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 | 10,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 9,101 | $3.7M |
| Short-term disability | STANDARD INSURANCE COMPANY | 172 | $138K |
| Long-term disability | STANDARD INSURANCE COMPANY | 7,462 | $4.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,101 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.