| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 SOUTH RIVERSIDE PLAZA, SUITE 110 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23K | $23K | 2.57% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52 | $52 | 0.01% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $752 | $0 | $752 | 3.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $699 | $0 | $699 | 2.83% |
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 | 1,795 | 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) | 1,795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,219 | $884K |
| Vision | VISION SERVICE PLAN | 1,562 | $226K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,107 | $600K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,144 | $450K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,107 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,219 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.