| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 15305 DALLAS PARKWAY, SUITE 1100 ADDISON, TX 75001 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.25% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 2301 ROSECRANS AVENUE, SUITE 4130 EL SEGUNDO, CA 90245 | UNITEDHEALTHCARE INSURANCE COMPANY | -$154 | — | -$154 | -0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 731739 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 5.25% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $458 | $458 | 1.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | 7000 NORTH MOPAC, SUITE 365 AUSTIN, TX 78731 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $417 | — | $417 | 1.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TEXAS, INC. | PO BOX 731739 DALLAS, TX 75373 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $463 | $167 | $630 | 6.91% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 367 | $1.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $126K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 356 | $116K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $38K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $38K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 367 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.