| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCTK SERVICES LLC3 | 1309 RIDGE RD. STE 200 ROCKWALL, TX 75087 | UNITED HEALTHCARE INSURANCE COMPANY | $1.4M | $0 | $1.4M | 2.99% |
| TCTK SERVICES LLC3 | 1309 RIDGE RD. STE. 200 ROCKWALL, TX 75087 | METROPOLITAN LIFE INSURANCE COMPANY | $943K | $176K | $1.1M | 11.90% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $181K | $106K | $287K | 3.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | -$70K | $4K | -$65K | -0.69% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | AETNA LIFE INSURANCE COMPANY | $517K | $0 | $517K | 42.89% |
| TCTK SERVICES LLC3 | 1309 RIDGE RD. SUITE 200 ROCKWALL, TX 75087 | AETNA LIFE INSURANCE COMPANY | $53K | $0 | $53K | 4.38% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | ASSURITY LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.47% |
| KEELER & ASSOCIATES3 | — | ASSURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.89% |
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 | 18,247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 6,549 | $47.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 18,247 | $9.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 18,247 | $9.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 18,247 | $9.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,247 | $9.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18,247 | $9.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,247 | $10.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,247 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.