| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $19K | $19K | 2.00% |
| HAYS COMPANIES, INC.3 | 16091 SWINGLEY RIDGE ROAD SUITE 160 CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $297 | $0 | $297 | 14.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 815 SOUTH WASHINGTON AVENUE SUITE 103 TITUSVILLE, FL 32780 | HARTFORD LIFE AND ACCIDENT | $0 | $198 | $198 | 9.99% |
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 | 613 | 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) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 617 | $646K |
| Vision | PROTEC INSURANCE COMPANY | 606 | $91K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 613 | $944K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 613 | $944K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 613 | $944K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 629 | $959K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.