| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL ENROLLMENT PARTNERS L3 Filed as: NATIONAL ENROLLMENT PARTNERS GENERA | 2000 CHAPEL VIEW BOUELVARD SUITE 240 CRANSTON, RI 02920 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 6.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $5K | $13K | 4.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 1055 RXR PLAZA UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | -$1K | $0 | -$1K | -0.49% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | -$4K | -$4K | -$8K | -2.89% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $7K | $16K | 7.33% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 15400 28TH AVENUE NORTH, SUITE 200 PLYMOUTH, MN 55447 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 4.23% |
| USI INSURANCE SERVICES LLC3 | 600 3RD AVENUE, FRONT 3 NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 9.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $776 | $618 | $1K | 17.96% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | COMPANION LIFE INSURANCE COMPANY | $0 | $226 | $226 | 2.91% |
| MACARIO CORPORATION3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | COMPANION LIFE INSURANCE COMPANY | $0 | $162 | $162 | 2.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $186 | $148 | $334 | 17.94% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 2000 CHAPEL VIEW BOULEVARD SUITE 240 CRANSTON, RI 02920 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $54 | $54 | 2.90% |
| MACARIO CORPORATION3 | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $39 | $39 | 2.09% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 633 | $278K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $34K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 242 | $10K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 243 | $220K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 243 | $220K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 242 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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."
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.