| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NGS INSURANCE AGENCY, INC.3 Filed as: NGS INSURANCE AGENCY | 508 TWILIGHT TRAIL SUITE 201 RICHARDSON, TX 75080 | METROPOLITAN LIFE INSURANCE COMPANY | — | $590K | $590K | 10.95% |
| NGS INSURANCE AGENCY, INC.3 Filed as: NGS INSURANCE AGENCY | 508 TWILIGHT TRAIL SUITE 201 RICHARDSON, TX 75080 | METROPOLITAN LIFE INSURANCE COMPANY | — | $145K | $145K | 2.69% |
| THE SEGAL COMPANY3 | 101 NORTH WACKER DRIVE SUITE 500 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69K | $69K | 1.28% |
| IMA, INC.4 Filed as: IMA/WALDMAN BROS. INSURANCE AGENCY | 6200 LBJ FREEWAY SUITE 200 DALLAS, TX 75240 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.10% |
| PRESSLINK PRINTING, LTD4 Filed as: PRESSLINK PRINTING | 2812 TRINITY SQUARE DRIVE SUITE 100 CARROLLTON, TX 75006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.05% |
| WILKINS FINSTON LAW GROUP, LLP4 | 12001 NORTH CENTRAL EXPRESSWAY SUITE 1150 DALLAS, TX 75243 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.04% |
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 | 2,917 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 748 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,665 | $5.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,665 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,665 | — |
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.