| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $33K | $73K | 4.58% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST. STE. 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $30K | $67K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES | 1 BEACON ST STE. 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $56 | $56 | 0.00% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | P.O. BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | $11K | $67K | 5.98% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | P.O. BOX 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $4K | $32K | 4.69% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $3K | $44K | 16.02% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA LIFE INSURANCE COMPANY | $15K | $4K | $18K | 7.40% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $2K | $29K | 16.09% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | AETNA INTERNATIONAL | $14K | $3K | $17K | 10.22% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $2K | $27K | 16.13% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST. STE 17100 BOSTON, MA 02108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
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 | 5,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 100 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,323 | $1.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 43 | $414K |
| Vision | AETNA LIFE INSURANCE COMPANY | 32 | $248K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,542 | $3.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,102 | $679K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,506 | $1.1M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,542 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,542 | — |
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.