| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 300044016 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 1.63% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.33% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $224K | $31K | $255K | 20.92% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 30004 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 3.15% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $9 | $2K | 0.16% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $203K | $27K | $231K | 20.50% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 30004 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 3.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $9 | $2K | 0.17% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $103K | $14K | $117K | 20.45% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 30004 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 3.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $939 | — | $939 | 0.16% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 300044016 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 1.68% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $9 | $3K | 0.68% |
| BENEFITSTORE INC3 | 250 MARQUETTE AVENUE SUITE 900 MINNEAPOLIS, MN 55401 | METLIFE LEGAL PLANS | $13K | — | $13K | 6.13% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METLIFE LEGAL PLANS | $7K | — | $7K | 3.34% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.04% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD. SUITE 130 DALLAS, TX 75254 | NATIONAL GUARDIAN LIFE INSURANCE(NGL) | $14K | — | $14K | 10.90% |
| EOB CONSULTING LLC3 Filed as: EOB CONSULTING, LLC | 12285 BROADWELL RD ALPHARETTA, GA 30004 | NATIONAL GUARDIAN LIFE INSURANCE(NGL) | $10K | — | $10K | 8.10% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 300044016 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.58% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $390 | $9 | $399 | 0.32% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD. SUITE 130 DALLAS, TX 75254 | AMERITAS | $9K | — | $9K | 10.06% |
| EOB CONSULTING LLC3 | 12285 BROADWELL RD ALPHARETTA, GA 30004 | AMERITAS | $9K | — | $9K | 9.94% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD. SUITE 130 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $195 | — | $195 | 21.08% |
| EOB CONSULTING LLC3 Filed as: EOB CONSULTING, LLC | 12285 BROADWELL RD ALPHARETTA, GA 30004 | ZURICH AMERICAN INSURANCE COMPANY | $69 | — | $69 | 7.46% |
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 | 37,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 113 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 37,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 6,715 | $4.5M |
| Dental | AMERITAS | 253 | $93K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 9,965 | $2.0M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 28,141 | $4.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,482 | $124K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 26,436 | $3.0M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 121 | $2.6M |
| Other(9 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 36,558 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,558 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.