| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COFINITY3 Filed as: COFINITY, INC. | 4371 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ASG RISK MANAGEMENT, INC. | $0 | $14K | $14K | 6.32% |
| MEDWATCH LLC3 Filed as: MEDWATCH, LLC | 120 INTERNATIONAL PARKWAY, SUITE 22 LAKE MARY, FL 32746 | ASG RISK MANAGEMENT, INC. | $0 | $7K | $7K | 3.19% |
| UNITED CLAIM SOLUTIONS3 Filed as: UNITED CLAIM SOLUTIONS LLC | PO BOX 310481 DES MOINES, IA 50331 | ASG RISK MANAGEMENT, INC. | $0 | $613 | $613 | 0.28% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INS GROUP, INC. | 877 EAST 16TH STREET HOLLAND, MI 49423 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $102 | $10K | 13.91% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASG RISK MANAGEMENT, INC. | 146 | $218K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $68K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $68K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $68K |
| Prescription drug | ASG RISK MANAGEMENT, INC. | 146 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.