| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, ME 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $356K | $42K | $397K | 8.31% |
| NORIDIAN INSURANCE SERVICES INC3 Filed as: NORIDIAN | 4510 13TH AVE. SW FARGO, ND 58121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $358K | $358K | 7.47% |
| ROBERT C BROWER3 | 2 E GILMAN ST MADISON, WI 53703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.00% |
| KAREN BALZER-ROBBINS3 | 10501 BRADDOCK RD STE. 204 FAIRFAX, VA 22032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $732 | $0 | $732 | 0.55% |
| ROBERT C BROWER3 | 2 E GILMAN ST MADISON, WI 53703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.00% |
| KAREN BALZER-ROBBINS3 | 10501 BRADDOCK RD STE. 204 FAIRFAX, VA 22032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $818 | $0 | $818 | 0.77% |
| AZURANCE GROUP3 | 4510 13TH AVENUE SW FARGO, ND 58121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $17K | $40K | 51.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $169 | $169 | — |
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 | 2,415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,653 | $292K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,069 | $5.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,069 | $4.8M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,069 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,069 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.