| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN GAMING SYSTEMS5 | 5475 S DECATUR SUITE 100 LAS VEGAS, NV 89118 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 5.39% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $149 | $149 | 0.08% |
| COMPLETE BENEFIT ALLIANCE3 | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 35.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 10940 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60 | $60 | 0.22% |
| COMPLETE BENEFIT ALLIANCE3 | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 85.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 10940 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60 | $60 | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 10940 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | HYATT LEGAL PLANS | $22 | $10 | $32 | 2.67% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 428 | $258K |
| Vision | VISION SERVICE PLAN | 414 | $53K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 487 | $185K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 487 | $185K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 487 | $185K |
| Other(5 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 491 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.