| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.16% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.57% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANATA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $745 | — | $745 | 7.78% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $716 | — | $716 | 7.47% |
| INDIGO INSURANCE SERVICES3 | 101 HUNTINGTON AVE BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $677 | $677 | 7.07% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 115 | $39K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $48K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $48K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
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.