| 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, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.44% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, ME 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.50% |
| BOWLES ASSOC INC3 Filed as: BOWLES ASSOC INC. | P O BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.25% |
| JAMES E. PERKINS3 | 2205 LONG DRIVE ROCKVILLE, VA 23146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.39% |
| TRIBBLE INS AGENCY, INC.3 | 10366 LEADBETTER ROAD ASHLAND, VA 23005 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.14% |
| ROSCOE J. DOUGLAS3 | 3783 VINEVILLE AVE MACON, GA 31204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| ROSCOE DOUGLAS3 | P O BOX 7251 MACON, GA 31209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| DEMIAN INS AGENCY INC3 | 12123 MAGNOLIA BLVD NORTH HOLLYWOOD, CA 91607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, ME 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $264 | $264 | 1.32% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $203 | $203 | 2.16% |
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 | 1,395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 149 | $36K |
| Vision | VISION SERVICE PLAN | 883 | $154K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,395 | $151K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 625 | $95K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,395 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,395 | — |
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.