| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOAH INSURANCE GROUP3 Filed as: NOAH INSURANCE GROUP INC. | 234 KELLER AVE S. AMERY, WI 54001 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $83 | $44K | 11.93% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17K | $17K | 4.79% |
| NOAH INSURANCE GROUP3 Filed as: NOAH INSURANCE GROUP INC | 234 KELLER AVE S AMERY, WI 544011254 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.62% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $666 | $4K | 37.26% |
| NOAH INSURANCE GROUP3 Filed as: NOAH INSURANCE GROUP INC | 234 KELLER AVE S AMERY, WI 54001 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $83 | $1K | 12.88% |
| NOAH INSURANCE GROUP3 Filed as: NOAH INSURANCE GROUP INC | 234 KELLER AVE S AMERY, WI 54001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43 | $43 | 0.41% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $457 | $3K | 33.61% |
| NOAH INSURANCE GROUP3 | 234 KELLER AVE. S AMERY, WI 54001 | METROPOLITAN LIFE INSURANCE COMPANY | $944 | $83 | $1K | 12.73% |
| NOAH INSURANCE GROUP3 | 234 KELLER AVE. S AMERY, WI 54001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.36% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $285 | $2K | 37.42% |
| NOAH INSURANCE GROUP3 Filed as: NOAH INSURANCE GROUP INC | 234 KELLER AVE S. AMERY, WI 54001 | METROPOLITAN LIFE INSURANCE COMPANY | $734 | $83 | $817 | 15.00% |
| NOAH INSURANCE GROUP3 Filed as: NOAH INSURANCE GROUP INC | 234 KELLER AVE S. AMERY, WI 54001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $14 | $14 | 0.26% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 98 | $24K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $365K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $365K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $365K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $365K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $365K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 363 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.