| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | SUN LIFE INSURANCE COMPANY OF CANADA | $109K | $27K | $136K | — |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $51 | $51 | — |
| HAYS COMPANIES, INC.3 | 1200 MAIN STE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| HAYS COMPANIES, INC.3 | 1125 17TH ST #1710 DENVER, CO 80202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $251 | $251 | — |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $438 | $15K | — |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | COLONIAL LIFE &ACCIDENT INSURANCE COMPANY | $4K | $118 | $4K | — |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | — |
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 | 371 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $0 |
| Life insurance(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 501 | $0 |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 326 | $0 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE INSURANCE COMPANY OF CANADA | 376 | $0 |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 501 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.