| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 4300 MARKET POINTE DR, SUITE 600 MINNEAPOLIS, MN 554355455 | RELIASTAR LIFE INSURANCE COMPANY | $171K | — | $171K | 9.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS - ST. LOUIS PARK | PO BOX 203373 DALLAS, TX 753203373 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 10.34% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER. USA, INC | 400 HIGHWAY 169 SOUTH, 8TH FLOOR ST. LOUIS PARK, MN 55426 | HYATT LEGAL PLANS, INC. | $6K | — | $6K | 9.95% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER. USA, INC | 64 MONROE AVENUE NW, SUITE 300 GRAND RAPIDS, MI 495031453 | HYATT LEGAL PLANS, INC. | — | $817 | $817 | 1.31% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER. INC USA | PO BOX 203318 DALLAS, TX 75320 | HYATT LEGAL PLANS, INC. | — | $222 | $222 | 0.35% |
| WELLS FARGO INSURANCE SERVICES3 | 1018 W 9TH AVENUE KING OF PRUSSIA, PA 194061225 | HYATT LEGAL PLANS, INC. | — | $27 | $27 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS - ST. LOUIS PARK | P.O. BOX 203373 DALLAS, TX 753203373 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $71 | — | $71 | 11.91% |
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 | 3,863 | 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) | 3,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,453 | $117K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,355 | $1.9M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,355 | $1.9M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,355 | $1.9M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,355 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,355 | — |
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.