| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $22 | $15K | 2.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 8000 NORMAN CENTER DRIVE STE 400 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 0.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1018 W 9TH AVE STE 100 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 2.00% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 4.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL LLC | PO BOX 601478 CHARLOTTE, NC 28260 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL LLC | PO BOX 601478 CHARLOTTE, NC 28260 | STANDARD INSURANCE COMPANY | $692 | $0 | $692 | 0.35% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 4.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL LLC | PO BOX 601478 CHARLOTTE, NC 28260 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL LLC | PO BOX 601478 CHARLOTTE, NC 28260 | STANDARD INSURANCE COMPANY | $617 | $0 | $617 | 0.41% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 3.09% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL DBA BOST BENEFITS C | 3009 WILMINGTON RD #100 NEW CASTLE, PA 16105 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 46.05% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $22 | $9K | 32.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $91 | $2K | 6.51% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL DBA BOST BENEFITS C | 3009 WILMINGTON RD #100 NEW CASTLE, PA 16105 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 34.64% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $22 | $3K | 32.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $683 | $62 | $745 | 7.09% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL DBA BOST BENEFITS C | 3009 WILMINGTON ROAD STE 100 NEW CASTLE, PA 16105 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 37.80% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $22 | $2K | 31.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $519 | $57 | $576 | 8.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP HOSPITALIZATION MEDICAL SVCS EIN 53-0078070 HMO/PPO CONTRACT, RX | Plan Administrator; Claims processing; Other services; Contract Administrator Service code 12 | — | $250K |
| FLORES AND ASSOCIATES EIN 56-1542307 FSA ADMIN | Plan Administrator Service code 14 | — | $19K |
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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 968 | $524K |
| Vision | VISION SERVICE PLAN | 420 | $70K |
| Life insurance | STANDARD INSURANCE COMPANY | 479 | $149K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 56 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 479 | $199K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 441 | $423K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.