| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 5.70% |
| ALLIANT INSURANCE SERVICES, INC.3 | 200 SOUTH WACKER DRIVE, SUITE 3030 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $135 | $18K | 4.04% |
| SECURE BENEFIT ADMINISTRATORS LLC3 Filed as: SECURE BENEFIT ADMINISTRATORS, LLC | 2413 WEST ALGONQUIN ROAD, UNIT 239 ALGONQUIN, IL 60102 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.18% |
| INVISION BENEFIT3 | 2413 WEST ALGONQUIN ROAD, PMB 401 ALGONQUIN, IL 60102 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 3.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.00% |
| INVISION BENEFIT3 Filed as: INVISION BENEFIT, LTD. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 6.01% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 5.17% |
| INVISION BENEFIT3 Filed as: INVISION BENEFIT, LTD. | 540 NORTH DEARBORN STREET SUITE 10932 CHICAGO, IL 60610 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $973 | $0 | $973 | 4.72% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $437K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 418 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $437K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $437K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 610 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.