| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P O BOX 70 WEST POINT, GA 31833 | METROPLITAN LIFE INSURANCE COMPANY | $856 | $0 | $856 | 2.77% |
| HYUNGGHEE KIM3 | 4 CONCOURSE PKWY NE SUITE 300 ATLANTA, GA 30328 | METROPLITAN LIFE INSURANCE COMPANY | $830 | $0 | $830 | 2.68% |
| YONG PARK3 | 4 CONCOURSE PKWY NE SUITE 300 ATLANTA, GA 30328 | METROPLITAN LIFE INSURANCE COMPANY | $208 | $0 | $208 | 0.67% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPLITAN LIFE INSURANCE COMPANY | 110 | $31K |
| Short-term disability | METROPLITAN LIFE INSURANCE COMPANY | 110 | $31K |
| Other | METROPLITAN LIFE INSURANCE COMPANY | 110 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.