| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $35K | $35K | 5.92% |
| JAMES A SCOTT & SON INC3 | 1310 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $18K | $18K | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISION AVE FL 7 NEW YORK, NY 100173724 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $4K | $0 | $4K | 6.48% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES S SCOTT & SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | $2K | $0 | $2K | 3.52% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | DBA PROFESSIONAL ENROLLMENT CONCEPT 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782324371 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 22.96% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 282603438 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.71% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | DBA THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $353 | — | $353 | 1.26% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | DBA STRATEGIC ENROLLMENT SERVICES 27064 OAKMEAD DR PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $330 | — | $330 | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLEBROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $41 | — | $41 | 0.15% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | DBA PROFESSIONAL E 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782324371 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.07% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | DBA PROFESSIONAL ENROLLMENT CONCEPT 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782324371 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 55.01% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 282603438 | METROPOLITAN LIFE INSURANCE COMPANY | $648 | — | $648 | 2.92% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | DBA STRATEGIC ENROLLMENT SERVICES 27064 OAKMEAD DR PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $414 | — | $414 | 1.87% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | DBA THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $279 | — | $279 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | $175 | — | $175 | 0.79% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | DBA THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $67 | — | $67 | 0.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $33 | — | $33 | 0.15% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | METROPOLITAN LIFE INSURANCE COMPANY | $16 | — | $16 | 0.07% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | DBA PROFESSIONAL ENROLLMENT CONCEPT 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782324371 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 21.55% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 282603438 | METROPOLITAN LIFE INSURANCE COMPANY | $768 | — | $768 | 3.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | $623 | — | $623 | 3.20% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | DBA THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $247 | — | $247 | 1.27% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | DBA STRATEGIC ENROLLMENT SERVICES 27064 OAKMEAD DR PERRYSBURG, OH 435512357 | METROPOLITAN LIFE INSURANCE COMPANY | $233 | — | $233 | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | — | $28 | 0.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | DBA PROFESSIONAL E 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782324371 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | DBA PROFESSIONAL ENROLLMENT 13750 SAN PEDRO AVE STE 5500 SAN ANTONIO, TX 782324371 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 28.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 194280350 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.51% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 282603438 | METROPOLITAN LIFE INSURANCE COMPANY | $833 | — | $833 | 4.42% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | DBA THREEFLOW 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $240 | — | $240 | 1.27% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | DBA STRATEGIC ENROLLMENT SERVICES 27064 OAKMEAD DR PERRYSBURG, OH 435512657 | METROPOLITAN LIFE INSURANCE COMPANY | $229 | — | $229 | 1.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 350 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | — | $27 | 0.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | DBA PROFESSIONAL E 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782324271 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | — | $19 | 0.10% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 782324371 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | — | $6 | 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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $594K |
| Dental | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 220 | $64K |
| Vision | AMERITAS LIFE INSURANCE CORP. OF NEW YORK | 220 | $64K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 38 | $22K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.