| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO6 Filed as: METLIFE INSURANCE COMPANY USA | 2300 LAKEVIEW PARKWAY, SUITE 600 ALPHARETTA, GA 30009 | METLIFE INSURANCE COMPANY USA | — | $14K | $14K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRANCIS INVESTMENT COUNSEL LLC NONE | Other investment fees and expenses; Investment advisory (plan) Service code 27 | 19435 W. CAPITOL DRIVE SUITE 201 BROOKFIELD, WI 53045 | $42K |
| METLIFE INSURANCE COMPANY USA EIN 06-0566090 NONE | Other investment fees and expenses; Investment advisory (plan) Service code 27 | — | $14K |
| NEWPORT GROUP, INC. EIN 27-2037969 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Claims processing; Participant loan processing; Sub-transfer agency fees Service code 12 | — | $14K |
| FREYBERG HINKLE ASHLAND POWERS & ST EIN 39-1531945 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $9K |
| NEWPORT TRUST COMPANY EIN 27-4411131 NONE | Claims processing; Trustee (bank, trust company, or similar financial institution); Custodial (securities); Account maintenance fees; Trustee (directed) Service code 12 | — | $7K |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METLIFE INSURANCE COMPANY USA | 21 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21 | — |
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."
No prospect flags tripped on this filing.