| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $3K | $41K | 15.75% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W. ERIE ST STE 300 CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $359 | — | $359 | 0.14% |
| PROF ENROLLMENT CONCEPTS INC3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $338 | — | $338 | 0.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $331 | $331 | 0.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $163 | — | $163 | 0.06% |
| ACCRETIVE ENROLLMENT SVCS LLC3 Filed as: ACCRETIVE ENROLLMENT SVCS INC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: JAMES C HAYS | 100 S POINTE DR APT 2605 MIAMI, FL 33139 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $12K | — | $12K | 7.22% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 80TH ST STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 11.38% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 5850 GRANITE PARKWAY STE 350 PLANO, TX 75024 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 684 | $455K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 450 | $160K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 450 | $160K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 684 | $263K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 684 | $263K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 684 | $263K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 38 | $165K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 684 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.