| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITIES INC | 1125 NW COUCH ST STE 900 ATTN COMMISSIONS DEPT PORTLAND, OH 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $198K | — | $198K | 11.79% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 2.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3716 NORFOLK, VA 23514 | FIRST UNUM LIFE INSURANCE COMPANY | — | $7K | $7K | 1.19% |
| ANDREW STERNGOLD3 | 1710 SOUTH AMPHLETT BOULEVARD SUITE 310 SAN MATEO, CA 94402 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $21K | — | $21K | 8.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.02% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FOREST AVENUE NEW YORK, NY 10310 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 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 | $7K | — | $7K | 15.00% |
| ANDREW STERNGOLD3 | 1730 SOUTH AMPHLETT BOULEVARD SUITE 206 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 | 1,383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,383 | $244K |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,383 | $246K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,442 | $1.9M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,387 | $595K |
| Other(4 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,442 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,442 | — |
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.