| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST. MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $51K | $5K | $56K | 2.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON | PO BOX 29018 PORTLAND, OR 97296 | AETNA LIFE INSURANCE CO. | $35K | — | $35K | 1.71% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 257 EAST 200 SOUTH SALT LAKE CITY, UT 84111 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 0.81% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $4K | $11K | 8.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES, INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $3K | $10K | 7.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $1K | $8K | 5.87% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 5.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $678 | $3K | 2.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OR OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | WILLAMETTE DENTAL INSURANCE, INC. | $4K | — | $4K | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 5.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 4.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OR OREGON LLC | PO BOX 29018 PORTLAND, OR 97296 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $229 | $3K | 8.40% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST. STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $343 | $3K | 8.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.32% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SO. 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $725 | $3K | 13.06% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVE. STE 1000 TACOMA, WA 98402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $863 | — | $863 | 3.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $230 | — | $230 | 1.00% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 290 | $2.1M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 155 | $213K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 444 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $115K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.