| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPSI BENEFITS, INC.5 Filed as: EPSI BENEFITS INC | 2180 NORTH LOOP W STE 400 HOUSTON, TX 77018 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.66% |
| EMPLOYER PLAN SVCS INC5 Filed as: EMPLOYER PLAN SERVICES INC | 2180 NORTH LOOP W STE 400 HOUSTON, TX 77018 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $841 | $6K | 2.78% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 60566 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.65% |
| R W TROXELL AND COMPANY3 Filed as: R W TROXELL AND CO | 214 SOUTH GRAND AVE W SPRINGFIELD, IL 62704 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.51% |
| EMPLOYER PLAN SVCS INC5 Filed as: EMPLOYER PLAN SERVICES INC | 2180 NORTH LOOP W STE 400 HOUSTON, TX 77018 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 14.14% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 60566 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.53% |
| CLEMENS & ASSOC LIFE AGENCY LTD3 Filed as: CLEMENS & ASSOC. LIFE AGENCY LTD | PO BOX 5190 BLOOMINGTON, IL 61702 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.30% |
| R W TROXELL AND COMPANY3 Filed as: R W TROXELL AND CO | 214 SOUTH GRAND AVE W SPRINGFIELD, IL 62704 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.72% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 60566 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.01% |
| R W TROXELL AND COMPANY3 Filed as: R W TROXELL AND CO | 214 SOUTH GRAND AVE W SPRINGFIELD, IL 62704 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 N/A | Contract Administrator Service code 13 | 7 HANOVER SQUARE NEW YORK, NY 10004 | $8K |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $349K |
| Vision | VISION SERVICE PLAN | 235 | $22K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $349K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $349K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.