| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COST PLUS ADVISORS LLC3 | 221 QUAIL RIDGE CIRCLE HIGHLANDS RANCH, CO 80126 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 10.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 12404 PARK CENTRAL DRIVE SUITE 400 SOUTH DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $435 | $9K | 5.20% |
| COST PLUS ADVISORS LLC3 | 4479 TIMBER FALLS COURT #2005 VAIL, CO 81657 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 20.80% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | WESTPORT INSURANCE CORPORATION | $2K | — | $2K | 10.00% |
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 | 679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 679 | $170K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 679 | $170K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 679 | $170K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 108 | $55K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 108 | $55K |
| Stop-loss / reinsurancereinsurance(2 contracts) | WESTPORT INSURANCE CORPORATION | 252 | $272K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 679 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.