No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $174K |
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 | 3,278 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,574 | $3.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,994 | $246K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,270 | $1.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,278 | $372K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,278 | $2.2M |
| Other(3 contracts, 3 carriers) | UNITED BEHAVORIAL HEALTH | 6,025 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,025 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.