| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 3.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 3.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 3.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1200 MAIN ST STE 2310 KANSAS CITY, MO 64105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | PO BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $3K | $9K | 6.98% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | PO BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $8K | 7.13% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.05% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | PO BOX 410249 KANSAS CITY, MO 64141 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $4K | $10K | 9.16% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LEGAL ACCESS CONSULTING, LLC | $5K | — | $5K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.50% |
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 | 2,214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,500 | $142K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,545 | $230K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,244 | $385K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,741 | $843K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,243 | $428K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,500 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,500 | — |
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.