| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 30004 | METROPOLITAN LIFE INSURANCE COMPANY | $183K | — | $183K | 3.74% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $64K | $137K | 2.80% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $73K | $73K | 1.49% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 300044016 | METROPOLITAN LIFE INSURANCE COMPANY | $154K | $8K | $163K | 5.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $30K | $61K | 1.96% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $240K | $37K | $277K | 25.20% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 30004 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $2K | $44K | 4.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $9K | $21K | 1.92% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $158K | $12K | $170K | 16.80% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 30004 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | — | $28K | 2.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $14K | $21K | 2.11% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 300044016 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $19K | $62K | 8.42% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $14K | $31K | 4.19% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $22K | $146K | 26.22% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 30004 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $882 | $23K | 4.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $5K | $11K | 1.95% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 300044016 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $1K | $15K | 6.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $6K | $9K | 3.52% |
| BENEFITSTORE INC3 | 250 MARQUETTE AVENUE SUITE 900 MINNEAPOLIS, MN 55401 | METLIFE LEGAL PLANS | $17K | — | $17K | 9.89% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $3K | $3K | 1.59% |
| NELLIGAN3 | 1800 RT. 34, BUILDING 4, SUITE 404A WALL, NJ 07719 | METLIFE LEGAL PLANS | — | $868 | $868 | 0.49% |
| BENEFITSTORE INC3 | 5 COWBOY WAY SUITE 300 FRISCO, TX 75034 | METLIFE LEGAL PLANS | — | $1 | $1 | 0.00% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD. SUITE 130 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $25K | — | $25K | 20.40% |
| EOB CONSULTING LLC3 Filed as: EOB CONSULTING, LLC | 12285 BROADWELL RD ALPHARETTA, GA 30004 | ZURICH AMERICAN INSURANCE COMPANY | $10K | — | $10K | 8.10% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD. SUITE 130 DALLAS, TX 75254 | AMERITAS | $19K | — | $19K | 15.38% |
| EOB CONSULTING LLC3 | 12285 BROADWELL RD ALPHARETTA, GA 30004 | AMERITAS | $6K | — | $6K | 4.62% |
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 | 36,148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 6,306 | $3.8M |
| Dental | AMERITAS | 264 | $121K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 9,823 | $1.9M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 27,137 | $3.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15,647 | $4.9M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,165 | $1.0M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 107 | $2.1M |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 36,148 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 36,148 | — |
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.