| 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 | — | $2.2M | $2.2M | 31.92% |
| NGS INSURANCE AGENCY, INC.5 | P.O. BOX 830846 RICHARDSON, TX 75083 | METROPOLITAN LIFE INSURANCE COMPANY | — | $193K | $193K | 2.83% |
| THE SEGAL COMPANY5 Filed as: THE SEGAL COMPANY (MIDWEST), INC. | 101 NORTH WAKER DRIVE SUITE 500 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44K | $44K | 0.64% |
| THE SEGAL COMPANY5 Filed as: SEGAL CONSULTING | CHURCH STREET STATION P.O. BOX 4092 NEW YORK, NY 102614092 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29K | $29K | 0.42% |
| BENEFIT ELECT, INC.5 | 855 SW YATES DRIVE SUITE 202 BEND, OR 97702 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 0.25% |
| WILKINS FINSTON LAW GROUP, LLP0 | OPERATING ACCOUNT P.O. BOX 734039 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.04% |
| ALLIED PILOTS ASSOCIATION8 | 14600 TRINITY BLVD SUITE 500 FORT WORTH, TX 761552512 | METROPOLITAN LIFE INSURANCE COMPANY | — | $710 | $710 | 0.01% |
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 | 2,550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,353 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,410 | $7.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,410 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,410 | — |
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.