| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $41 | $1K | 1.02% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC DBA THREE F | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60 | $60 | 0.05% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $10 | $1K | 6.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $615 | $59 | $674 | 4.25% |
| THE CASON GROUP INC3 | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | METROPOLITAN LIFE INSURANCE COMPANY | $172 | $41 | $213 | 1.34% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC D/B/A THREE | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $204 | $0 | $204 | 1.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $112 | $112 | 0.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.02% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $5 | $1K | 10.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $698 | $60 | $758 | 6.87% |
| THE CASON GROUP INC3 | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | METROPOLITAN LIFE INSURANCE COMPANY | $134 | $41 | $175 | 1.59% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC D/B/A THREE | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $149 | $0 | $149 | 1.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $82 | $82 | 0.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.02% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN LIFE INSURANCE COMPANY | $971 | $5 | $976 | 10.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $467 | $59 | $526 | 5.87% |
| THE CASON GROUP INC3 | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | METROPOLITAN LIFE INSURANCE COMPANY | $83 | $41 | $124 | 1.38% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC D/B/A THREE | 306 W ERIE STS T E 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $119 | $0 | $119 | 1.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.01% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $115K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $115K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $115K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $115K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.