| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.65% |
| JS BENEFITS GROUP INC3 | 54 FRIENDS LANE SUITE 121 NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.35% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $577 | $577 | 0.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.65% |
| JS BENEFITS GROUP INC3 Filed as: JS BENEFITS GROUP | 54 FRIENDS LANE SUITE 121 NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.35% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $548 | $548 | 0.80% |
| JS BENEFITS GROUP INC3 | 54 FRIENDS LANE SUITE 121 NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 11.97% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.44% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $871 | $871 | 1.85% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 3.22% |
| JS BENEFITS GROUP INC3 | 54 FRIENDS LANE NEWTON, PA 18940 | VISION SERVICE PLAN | $861 | — | $861 | 2.76% |
| JS BENEFITS GROUP INC3 | 54 FRIENDS LANE SUITE 121 NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $574 | — | $574 | 7.61% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $557 | — | $557 | 7.39% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $348 | $348 | 4.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $76 | $76 | 1.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $31 | $31 | 9.60% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13 | $13 | 4.02% |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 299 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 440 | $47K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 440 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $72K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 440 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.