| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 5909 PEACHTREE DUNWOODY RD SUITE 800 ATLANTA, GA 303288103 | METROPOLITAN LIFE INSURANCE COMPANY | $101K | $52 | $101K | 11.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD, SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 2.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 0.98% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DALLAS, TX 753123042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.00% |
| EPIC3 Filed as: EPIC BROKERS | ONE CALIFORNIA ST. SUITE 400 SAN FRANCISCO, CA 94111 | LIBERTY INSURANCE UNDERWRITERS INC. | $36K | — | $36K | 5.91% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | LIBERTY INSURANCE UNDERWRITERS INC. | $25K | — | $25K | 4.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN/IEC GROUP EIN 82-0497661 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $164K |
| RXBENEFITS, INC. EIN 63-1157085 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $8K |
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 | 1,054 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $137K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,437 | $916K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,437 | $916K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,437 | $916K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,437 | $916K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,437 | $916K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITERS INC. | 604 | $603K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,437 | $928K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,437 | — |
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.