| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $6K | $11K | 2.11% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.94% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF NEW JERSEY, INC. | $27K | $0 | $27K | 7.16% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 14.89% |
| LORI A. VEILLETTE3 Filed as: LORI A. VEILLETTE AND OTHER AGENTS | 48 ACADEMY HILL ROAD EXT DERBY, CT 06418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 13.89% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 6.35% |
| KATHERINE P. BAKER3 | 15 MEADOWBRO OK ROAD MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.80% |
| COLLEEN S. LUND3 | 6652 QUERCUS DRIVE HEBRON, MD 21830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $537 | $0 | $537 | 0.34% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | $0 | $357 | 0.23% |
| CHARLES SAULSBERY3 Filed as: CHARLES L. SAULSBERY | 2407 WEST ERIC DRIVE WILMINGTON, DE 19808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | $0 | $170 | 0.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $1K | $425 | $2K | — |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS, INC. | PO BOX 123383, DEPT 3383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | $0 | $134 | $134 | — |
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 | 2 | 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) | 2 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 0 | $377K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $533K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $533K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $533K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 62 | $689K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.