| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $75K | $0 | $75K | 9.23% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MA 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IA 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN KANSAS CITY | 1200 MAIN, SUITE 2310 KANSAS CITY, MO 64105 | DELTA DENTAL OF KANSAS, INC. | $9K | $0 | $9K | 1.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | EYEMED VISION CARE | $11K | $0 | $11K | 5.26% |
| THREEFLOW3 | 306 W. ERIE STREET SUITE #300 CHICAGO, IL 60654 | EYEMED VISION CARE | $3K | $0 | $3K | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA HAYS COMPANIES | 1200 MAIN STREET SUITE 2310 KANSAS CITY, MO 64105 | EYEMED VISION CARE | $2K | $0 | $2K | 1.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 9.19% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.81% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.28% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MA 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.07% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IA 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $835 | $835 | 0.58% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 S. 8TH ST. SUITE 700 MINNEAPOLIS, MN 55402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $840 | $840 | 0.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 1200 MAIN STREET, SUITE 2310 KANSAS CITY, MO 64105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 7.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH ST DAYTONA BEACH, FL 32114 | HUMANA INSURANCE COMPANY | $0 | $173 | $173 | 0.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 220 S RIDGEWOOD AVE DAYTONA BEACH, FL 321144318 | HUMANA INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 2,268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KANSAS, INC. | 1,761 | $779K |
| Vision | EYEMED VISION CARE | 2,385 | $216K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,268 | $332K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,268 | $810K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 437 | $144K |
| Other(5 contracts, 2 carriers) | EYEMED VISION CARE | 2,385 | $750K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,385 | — |
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.
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.