| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 3.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | TRANSAMERICA LIFE INSURANCE COMPANY | $123 | $0 | $123 | 6.41% |
| PETER JONES3 Filed as: PETER C. JONES | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | TRANSAMERICA LIFE INSURANCE COMPANY | $85 | $0 | $85 | 4.43% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $42 | $0 | $42 | 2.19% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE STREET MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.21% |
| DOROTHY MOLLOY3 | 1213 MOHEGAN ROAD MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.10% |
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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $51K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 600 | $550K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 600 | $550K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 600 | $550K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 600 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.