| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD STE 1200 EL SEGUNDO, CA 90245 | METROPOLITAN LIFE INSURANCE COMPANY | $389K | — | $389K | 18.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET, FLOOR 6 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.00% |
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITIES INC | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | -$11 | — | -$11 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 3196 KRAFT AVE SE GRAND RAPIDS, MI 49512 | FIRST UNUM LIFE INSURANCE COMPANY | — | $10K | $10K | 1.25% |
| ANDREW M STERNGOLD3 | 1710 SOUTH AMPHLETT BOULEVARD SUITE 310 SAN MATEO, CA 94402 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $34K | — | $34K | 8.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 0.03% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FOREST AVENUE NEW YORK, NY 10310 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 35223 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ANDREW M STERNGOLD3 | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $388 | — | $388 | 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 | 1,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 39 | $424K |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 39 | $424K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,182 | $2.4M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,648 | $776K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $4K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,182 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,182 | — |
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.