| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FIN./METLIFE SECURITIES INC | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.44% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS & GRAY INSURANCE AGENCY, INC | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $5K | — | $5K | 8.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.1M |
| HIGHMARK INC EIN 23-1294723 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $203K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $687K |
| Vision | VISION SERVICE PLAN | 0 | $373K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.7M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.