| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | PO BOX 223894 PITTSBURGH, PA 15250 | HCC LIFE INSURANCE COMPANY | $852 | — | $852 | 0.10% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.03% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BENEFIT WATCH LLC3 Filed as: BENEFIT WATCH, LLC | 4969 MERCANTILE ROAD NOTTINGHAM, MD 21236 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.37% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $473 | — | $473 | 9.99% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $423 | — | $423 | 10.01% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE ROAD SUITE J BALTIMORE, MD 21236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $279 | — | $279 | 15.02% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $83K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $16K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $190K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $163K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $133K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 178 | $829K |
| Other(9 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.