| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RT CONSULTING LLC3 Filed as: R T CONSULTING LLC | 4 MAIN ST PETERBOROUGH, NH 03458 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 1.15% |
| RT CONSULTING LLC3 Filed as: R T CONSULTING LLC | 4 MAIN ST PETERBOROUGH, NH 03458 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 0.46% |
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 | 5,104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 363 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF COLORADO | 7,781 | $1.9M |
| Vision | VISION SERVICE PLAN | 3,466 | $296K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,946 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,110 | $905K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 6,946 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,781 | — |
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.