| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING, INC. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $56 | $14K | 4.56% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $87 | $5K | 1.58% |
| SENTINEL FINANCIAL SOLUTIONS3 Filed as: SENTINEL FINANCIAL SOLUTIONS, INC. | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $38 | $4K | 1.12% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | $1K | $19K | 7.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.11% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.36% |
| SENTINEL FINANCIAL SOLUTIONS3 Filed as: SENTINEL FINANCIAL SOLUTIONS, INC. | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $1K | $6K | 4.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $107 | $3K | 2.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 3.06% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | KAISER FOUNDATION HEALTH PLAN INC | $964 | $0 | $964 | 1.02% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 144 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 24 | $94K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $317K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $317K |
| Life insurance | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 509 | $218K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 362 | $260K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 362 | $260K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 24 | $94K |
| Other | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 263 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.