| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOAH INSURANCE GROUP3 Filed as: NOAH INSURANCE GROUP INC | 234 KELLER AVE S AMERY, WI 540011254 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 8.32% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 553442822 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.70% |
| NOAH INSURANCE GROUP3 Filed as: NOAH INSURANCE GROUP INC | 778 S SHORE DR AMERY, WI 54001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| CLARITY ENROLLMENT SOLUTIONS LLC5 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 55439 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.62% |
| GCG FINANCIAL LLC5 Filed as: CLARITY, AN ALERA GROUP COMPANY | PO BOX 46122 EDEN PRAIRIE, MN 55344 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.18% |
| NOAH INSURANCE GROUP3 Filed as: NOAH INSURANCE GROUP INC | 778 S SHORE DR AMERY, WI 54001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $352K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $223K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $204K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $204K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $204K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.