| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBIN H. ALSTON3 | P.O. BOX 82876 ATLANTA, GA 30354 | SYMETRA LIFE INSURANCE COMPANY | $74K | $23K | $97K | 12.79% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | SYMETRA LIFE INSURANCE COMPANY | — | $11K | $11K | 1.41% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC THREEFLOW | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $392 | $5K | 1.48% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60618 | GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.50% |
| IMA, INC.3 | P.O. BOX 2992 WICHITA, KS 672012992 | GUARDIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.05% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,501 | $364K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 510 | $193K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 542 | $758K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 542 | $758K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 542 | $758K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 542 | $951K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,501 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.