| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS OF CALIFORNIA | $287K | $0 | $287K | 1.79% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS OF CALIFORNIA | $146K | $0 | $146K | 0.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51K | $11K | $62K | 6.14% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | $11K | $61K | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $18K | $46K | 8.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $4K | $28K | 4.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.59% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 1.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $321 | $321 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $14K | $37K | 8.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $3K | $23K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 1.27% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.83% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $8K | $21K | 8.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES | 1200 N MAYFAIR RD #100 MILWAUKEE, WI 53226 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 5.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $996 | $3K | 1.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | EYEMED VISION CARE | $3K | $0 | $3K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 11.84% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $9K | 13.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 11.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METLIFE LEGAL PLANS, INC. | $2K | $421 | $2K | 7.93% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS, INC. | $946 | $0 | $946 | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | METROPOLITAN GENERAL INSURANCE COMPANY (METLIFE LEGAL) | $1K | $126 | $1K | 14.70% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $508 | $204 | $712 | 7.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $418 | $94 | $512 | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63 | $14 | $77 | 6.96% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48 | $12 | $60 | 5.42% |
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 | 1,168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 787 | $16.0M |
| Dental(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 832 | $1.0M |
| Vision | EYEMED VISION CARE | 865 | $144K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $555K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 679 | $450K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $252K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 787 | $16.0M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 417 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.