| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | HARTFORD LIFE AND ACCIDENT | $24K | $52K | $76K | 2.57% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 W HILLSBORO BLVD DEERFIELD BEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $56K | — | $56K | 1.88% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $8K | — | $8K | 2.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF AZ INC | 2800 N CENTRAL AVE SUITE 1100 PHOENIX, AZ 85004 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 4.88% |
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 | 4,148 | 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) | 4,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,445 | $375K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,974 | $3.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,974 | $3.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,974 | $3.0M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,148 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,148 | — |
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.