| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203383 DALLAS, TX 753203334 | METROPOLITAN LIFE INSURANCE COMPANY | $78K | $60 | $78K | 3.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NAT'L INC. | PO BOX 201629 DALLAS, TX 753201629 | DELTA DENTAL OF NEW YORK | $39K | — | $39K | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 201629 DALLAS, TX 753201629 | VISION SERVICE PLAN | $4K | — | $4K | 1.36% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $7K | $70K | 30.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. NATIONAL, INC. | 201 MISSION STREET 11TH FLOOR SAN FRANCISCO, CA 94105 | EMPLOYEE SERVICES, INC. | $10K | — | $10K | 5.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $5K | $20K | 15.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. NATIONAL, INC. | 201 MISSION STREET 11TH FLOOR SAN FRANCISCO, CA 94105 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $6K | — | $6K | 10.00% |
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 | 4,706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,973 | $360K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,799 | $4.1M |
| Vision | VISION SERVICE PLAN | 2,484 | $291K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,799 | $2.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,799 | $2.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,799 | $2.1M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,440 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,440 | — |
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."
No prospect flags tripped on this filing.