| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $145K | $148K | 1.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN TX DALLAS | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $48K | $53K | 0.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 0.14% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, LLC | PO BOX 441 DES MOINES, IA 50302 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$2 | -$2 | -0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $0 | $41K | 7.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 3.08% |
| HAYS COMPANIES, INC.3 | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.32% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$4K | $0 | -$4K | -0.74% |
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 | 638 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,506 | $10.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,506 | $10.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,506 | $10.3M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $540K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $540K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,506 | $10.3M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,506 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,506 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.