| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $126K | $420 | $126K | 9.84% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORPORATE CIRCLE SUITE 1000 BOCA RATON, FL 33487 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 2.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 3716 NORFOLK, VA 23514 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 401 BROADWAY, SUITE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 3.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3 | — | -$3 | -0.00% |
| ANDREW STERNGOLD3 | 1825 SOUTH GRANT AVENUE, SUITE 300 SAN MATEO, CA 94402 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| ANDREW STERNGOLD3 | 1825 SOUTH GRANT AVENUE, SUITE 300 SAN MATEO, CA 94402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $194 | — | $194 | 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 | 906 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 5 | $321K |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 5 | $321K |
| Vision | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 5 | $319K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,253 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 970 | $418K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,253 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,253 | — |
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.