| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $201 | $37K | 10.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 5.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | PO BOX 2158 RIVERSIDE, CA 92516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $358 | $0 | $358 | 0.10% |
| GBC BENEFITS LTD3 Filed as: GBC BENEFITS, LTD. | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.23% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $650 | $0 | $650 | 2.64% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 515 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 424 | $355K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 424 | $355K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 424 | $355K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 424 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.