| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEAGUE INSURANCE AGENCY, INC.3 | 4710 4TH STREET LA MESA, MA 91941 | UNITED HEALTHCARE INSURANCE COMPANY | $640K | — | $640K | 5.20% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN INSURANCE | 721 S. PARKER, SUITE 300 ORANGE, CA 92868 | UNITED HEALTHCARE INSURANCE COMPANY | $111K | — | $111K | 0.90% |
| TEAGUE INSURANCE AGENCY, INC.3 | 4710 4TH STREET LA MESA, MA 91941 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 12.79% |
| TEAGUE INSURANCE AGENCY, INC.3 | 4710 4TH STREET LA MESA, MA 91941 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 13.99% |
| ENROLLEASE3 | 7979 OLD GEORGETOWN ROAD BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| TEAGUE INSURANCE AGENCY, INC.3 | 4710 4TH STREET LA MESA, MA 91941 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 14.68% |
| ENROLLEASE3 | 7979 OLD GEORGETOWN ROAD BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| TEAGUE INSURANCE AGENCY, INC.3 | 4710 4TH STREET LA MESA, MA 91941 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 15.99% |
| ENROLLEASE3 | 7979 OLD GEORGETOWN ROAD BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| TEAGUE INSURANCE AGENCY, INC.3 | 4710 4TH STREET LA MESA, MA 91941 | METROPOLITAN GENERAL INSURANCE COMPANY | $34 | — | $34 | 1.10% |
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 | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,060 | $12.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,060 | $12.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,060 | $12.3M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 540 | $146K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 540 | $146K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 540 | $146K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,060 | $12.3M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 540 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,060 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.