| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 BENEFITS LLC3 | 20 N CLARK STREET - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $1K | $26K | 13.20% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W-BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 4.71% |
| 360 BENEFITS LLC3 | 20 N CLARK STREET-STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $34 | $3K | 13.73% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W-BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $840 | $294 | $1K | 4.58% |
| 360 BENEFITS LLC3 | 20 N CLARK ST STE 2825 CHICAGO, IL 60602 | VISION SERVICE PLAN | $2K | — | $2K | 9.94% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| 360 BENEFITS LLC4 | 20 N CLARK ST STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $34 | $1K | 11.39% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W, BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $433 | $152 | $585 | 5.00% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $198K |
| Vision | VISION SERVICE PLAN | 158 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $198K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $198K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $198K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 358 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.