| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALSH CARTER AND ASSOC. INS. SVCS.3 Filed as: WALSH CARTER AND ASSOC. INS., SVCS. | 425 CALIFORNIA STREET, SUITE 400 SAN FRANCISCO, CA 94104 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $82 | $82 | 0.05% |
| WALSH CARTER AND ASSOC. INS. SVCS.3 Filed as: WALSH CARTER AND ASSOC. INS., SVCS. | 425 CALIFORNIA STREET, SUITE 400 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 12.64% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 248 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $157K |
| Vision | VISION SERVICE PLAN | 189 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 195 | $125K |
| Short-term disability | STANDARD INSURANCE COMPANY | 195 | $125K |
| Long-term disability | STANDARD INSURANCE COMPANY | 195 | $125K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 248 | $2.2M |
| Other | STANDARD INSURANCE COMPANY | 195 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.