| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | P.O. BOX 1779 BOWLING GREEN, KY 421021779 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $386 | $386 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | P.O. BOX 62817 VIRGINIA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC. | 2 AQUARIUM DR. STE. 200 CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $50 | $50 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USI AFFINITY NONE | Plan Administrator; Direct payment from the plan Service code 14 | ONE INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | $85K |
| GIRARD ADVISORY SERVICES LLC NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 555 CROFTON RD., SUITE 210 KING OF PRUSSIA, PA 19406 | $7K |
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 | 1,399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,025 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 4,025 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,025 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.