| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $34 | $21K | 8.82% |
| MARSH & MCLENNAN AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.22% |
| ASSURANCE AGENCY LTD3 | — | METROPOLITAN LIFE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $34 | $10K | 25.77% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $560 | $0 | $560 | 1.48% |
| MARSH & MCLENNAN AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $510 | $510 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $34 | $7K | 26.11% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $202 | $2K | 6.33% |
| MARSH & MCLENNAN AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $307 | $307 | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $34 | $5K | 20.49% |
| ASSURANCE AGENCY LTD3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $914 | $202 | $1K | 4.63% |
| MARSH & MCLENNAN AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $305 | $305 | 1.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | METLIFE LEGAL PLANS | $932 | $179 | $1K | 11.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 N. CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METLIFE LEGAL PLANS | $0 | $55 | $55 | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE., STE. 400 SADDLE BROOK, NJ 07663 | METLIFE LEGAL PLANS | $0 | $34 | $34 | 0.37% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $241K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $241K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $241K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $241K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 343 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.