| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | P.O. BOX 851018 RICHARDSON, TX 75085 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 14.09% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.47% |
| AXA ASSISTANCE, USA3 | 122 S MICHIGAN AVENUE, SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $114 | $114 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF TEXAS, LLC | 2301 OHIO DRIVE, SUITE 260 PLANO, TX 75093 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 7.77% |
| SRA INSURANCE AGENCY LLC3 Filed as: SRA INSURANCE AGENCY, LLC | 4435 MAIN STREET, FLOOR 4 KANSAS CITY, MO 64111 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $521 | $6K | 2.62% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $215K |
| Vision | VISION SERVICE PLAN | 168 | $30K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 348 | $245K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 348 | $245K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 348 | $245K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 284 | $368K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 348 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.