| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON RISK II, LLC3 | 2590 NORTHBROOKE PLAZA DRIVE SUITE 205 NAPLES, FL 34119 | UNITEDHEALTHCARE INSURANCE COMPANY | $254K | $0 | $254K | 4.77% |
| MARK METTILLE3 Filed as: MARK C PIETSCH | 1751 LAKE COOK ROAD, SUITE 350 DEERFIELD, IL 60015 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $224 | $0 | $224 | 1.33% |
| EMPOER HR, LLC3 | 7927 NEMCO WAY, SUITE 200 BRIGHTON, MI 48116 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | $0 | $8K | 60.81% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,479 | $5.3M |
| Short-term disability | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | 14 | $17K |
| Long-term disability | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | 14 | $17K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,479 | $5.3M |
| Other | METROPOLITAN GENERAL INSURANCE COMPANY | 820 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,479 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.