| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NGS INSURANCE AGENCY, INC.5 | P.O. BOX 830846 RICHARDSON, TX 75083 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2.0M | $2.0M | 31.12% |
| NGS INSURANCE AGENCY, INC.5 | P.O. BOX 830846 RICHARDSON, TX 75083 | METROPOLITAN LIFE INSURANCE COMPANY | — | $140K | $140K | 2.12% |
| THE SEGAL COMPANY5 Filed as: SEGAL CONSULTING | CHURCH STREET STATION P.O. BOX 4092 NEW YORK, NY 10261 | METROPOLITAN LIFE INSURANCE COMPANY | — | $86K | $86K | 1.30% |
| BENEFIT ELECT, INC.5 | 855 SW YATES DRIVE SUITE 202 BEND, OR 97702 | METROPOLITAN LIFE INSURANCE COMPANY | — | $46K | $46K | 0.69% |
| DAVIS-DYER-MAX, INC.3 | 3200 BROADWAY BLVD SUITE 400 GARLAND, TX 75043 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.15% |
| WILKINS FINSTON LAW GROUP, LLP0 | OPERATING ACCOUNT P.O. BOX 734039 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.03% |
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 | 2,397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,395 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,792 | $6.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,792 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,792 | — |
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.