| 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 | $283K | — | $283K | 10.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 200 LIBERTY STREET, FLOOR 6 ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.00% |
| ANDREW M STERNGOLD3 | 22 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $72K | — | $72K | 8.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $83 | $83 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.02% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FOREST AVENUE NEW YORK, NY 10310 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 35223 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| ANDREW M STERNGOLD3 | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $508 | — | $508 | 10.01% |
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 | 1,789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 54 | $834K |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 54 | $834K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,473 | $2.9M |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,789 | $520K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $5K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,473 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,473 | — |
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.