| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.74% |
| HAYS COMPANIES, INC.3 | 16091 SWINGLEY RIDGE ROAD SUITE 160 CHESTERFIELD, MO 63017 | HARTFORD LIFE AND ACCIDENT | $864 | $0 | $864 | 0.42% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HARTFORD LIFE AND ACCIDENT | $0 | $507 | $507 | 0.25% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | HARTFORD LIFE AND ACCIDENT | -$4K | $0 | -$4K | -1.89% |
| ASSUREDPARTNERS3 | 11975 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $777 | $0 | $777 | 5.10% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 151 | $93K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 272 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 370 | $204K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 370 | $204K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 370 | $204K |
| Other | HARTFORD LIFE AND ACCIDENT | 370 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.