| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITIES, INC. | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $162K | — | $162K | 10.04% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORPORATE CIRCLE SUITE 1000 BOCA RATON, FL 33487 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $7K | $40K | 2.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60 | $60 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 4605 COLOMBUS STREET VIRGINIA BEACH, VA 23462 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60 | $60 | 0.00% |
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITIES INC | 1125 NW COUCH ST STE 900 ATTN COMMISSIONS DEPT PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $162K | — | $162K | 11.31% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORPORATE CIR STE 1000 BOCA RATON, FL 33487 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $7K | $40K | 2.76% |
| ANDREW STERNGOLD3 | 1730 SOUTH AMPHLETT BOULEVARD SUITE 206 SAN MATEO, CA 94402 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $21K | — | $21K | 8.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3716 NORFOLK, VA 23514 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 1.33% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| JLT SPECIALTY INSURANCE SERVICES3 Filed as: JLT SPECIALITY INSURANCE SVCS., INC | 22 CENTURY HILL DRIVE, SUITE 102 LATHAM, NY 12110 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ANDREW STERNGOLD3 | UNKNOWN SOUTHFIELD, MI 48075 | 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 | 2,681 | 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) | 2,681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 27 | $270K |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 27 | $270K |
| Vision | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 27 | $268K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,681 | $3.0M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,172 | $257K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,681 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,681 | — |
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.