| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD RD #741738 COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $70 | $38K | 7.41% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $18 | $14K | 2.72% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.72% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD RD #741738 COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $70 | $3K | 10.99% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $891 | $18 | $909 | 3.41% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $224 | $224 | 0.84% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD RD #741738 COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $70 | $3K | 10.62% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $875 | $18 | $893 | 3.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $207 | $207 | 0.81% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD RD COLLEGE PARK, GA 30349 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | — | $3K | 10.01% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $146 | $146 | 0.58% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK RD SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $26 | $26 | 0.10% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2 | $2 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD RD #741738 COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $70 | $3K | 10.89% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $759 | $18 | $777 | 3.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $192 | $192 | 0.82% |
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 | 744 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 355 | $76K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $511K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $511K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $511K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.