| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 BENEFITS LLC3 Filed as: 360 BENEFITS, LLC | 20 N CLARK ST-STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $9K | $89K | 16.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W, BLDG 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $5K | $30K | 5.50% |
| 360 BENEFITS LLC3 | 20 N CLARK ST, STE 2825 CHICAGO, IL 606024109 | EYEMED VISION CARE | $5K | — | $5K | 10.00% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $34 | $2K | 20.58% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W-BLDG 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $480 | $96 | $576 | 5.48% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $34 | $2K | 20.44% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W, BLDG 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $416 | $83 | $499 | 5.44% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $34 | $2K | 21.05% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SETRY PKWY W-BLDG 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $384 | $77 | $461 | 5.51% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $34 | $1K | 20.67% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W, BLDG 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $275 | $55 | $330 | 5.50% |
| 360 BENEFITS LLC3 Filed as: 360 BENEFITS, LLC | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $807 | $34 | $841 | 19.33% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W-BLDG 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $199 | $40 | $239 | 5.49% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $609 | $34 | $643 | 24.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W, BLDG 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $119 | $24 | $143 | 5.44% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 592 | $549K |
| Vision | EYEMED VISION CARE | 666 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 592 | $549K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 592 | $549K |
| Other(7 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 592 | $591K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.