| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: JAMES HAYS | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $70K | $0 | $70K | 3.06% |
| RYAN ROTHROCK3 | 565 MARRIOT DRIVE, SUITE 500 NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $20K | $0 | $20K | 0.88% |
| HAYS COMPANIES, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | HUMANA INSURANCE COMPANY | $32K | $0 | $32K | 13.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 2.46% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | HUMANA INSURANCE COMPANY | -$277 | $0 | -$277 | -0.12% |
| HAYS COMPANIES, INC.3 | 1200 NORTH MAYFAIR ROAD MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 6.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.65% |
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 | 1,008 | 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) | 1,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 595 | $2.3M |
| Dental | HUMANA INSURANCE COMPANY | 377 | $239K |
| Vision | HUMANA INSURANCE COMPANY | 377 | $239K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,008 | $227K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,008 | $227K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,008 | $227K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 595 | $2.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,008 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.