| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 5850 GRANITE PKWY STE 350 PLANO, TX 75024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $303K | — | $303K | 14.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC. | 15305 NORTH DALLAS PKWY SUITE 1100 ADDISON, TX 75001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16K | $16K | 0.79% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | — | $82K | 10.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $67K | — | $67K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC. | 15305 NORTH DALLAS PKWY SUITE 1100 ADDISON, TX 75001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 1.56% |
| HAYS COMPANIES, INC.4 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $12K | — | $12K | 10.00% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 1110 COGBURN CT SHADY SHORES, TX 76208 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $8K | — | $8K | 7.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS INC. | 15305 NORTH DALLAS PKWY SUITE 1100 ADDISON, TX 75001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.30% |
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 | 4,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 6,868 | $499K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,860 | $2.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,084 | $818K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,029 | $665K |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | 4,086 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,868 | — |
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.