| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OKLAHOMA, INC. | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | HARTFORD LIFE AND ACCIDENT | $108K | $0 | $108K | 12.16% |
| WINSTON FINANCIAL SERVICES3 | 2399 NJ-34 BUILDING C-2 MANASQUAN, NJ 08736 | HARTFORD LIFE AND ACCIDENT | $54K | $0 | $54K | 6.07% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $23K | $23K | 2.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN FLORIDA, INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $23K | $23K | 2.52% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75219 | BLUECROSS BLUESHIELD OF TEXAS | $27K | $29K | $56K | 12.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | BLUECROSS BLUESHIELD OF TEXAS | $18K | — | $18K | 4.04% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | DEARBORN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 13.69% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | DEARBORN LIFE INSURANCE COMPANY | $0 | $917 | $917 | 1.26% |
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 | 963 | 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) | 963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 903 | $450K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 451 | $73K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 908 | $892K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 908 | $892K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 908 | $892K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 963 | $906K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 963 | — |
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."
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.