| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEANNINE MACKO3 | 1616 CALLE LAS CASAS OCEANSIDE, CA 92056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.51% |
| LISA A. RYDZIK3 | 7431 LANCASTER LOOP WESLEY CHAPEL, FL 33545 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.61% |
| FRANK ALVERSON3 | 2900 CAHABA ROAD, SUITE G4 BIRMINGHAM, AL 35223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $336 | $0 | $336 | 0.65% |
| HAYS COMPANIES, INC.3 | 1325 4TH AVENUE, SUITE 1425 SEATTLE, WA 98101 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 14.19% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 782 | $28K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 453 | $170K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 453 | $170K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 453 | $170K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 453 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.