| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOC BUILDERS & CONTRACTORS INS SE3 | 440 1ST ST NW-STE 2 WASHINGTON, DC 20001 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 5.45% |
| ASSOC BUILDERS & CONTRACTORS INS SE3 Filed as: ASSOC BUILDERS & CONTRACTORS INS. | 440 1ST ST NW, SUITE 2 WASHINGTON, DC 20001 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 5.42% |
| ASSOCIATED BLDRS & CONTRACTORS INS3 | 4250 FAIRFAX DR - FL 9TH ARLINGTON, VA 22203 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | $1K | — | $1K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADAM T. BONSKY EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $407K |
| PHIL GRISAH EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $198K |
| WOODY JANG EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $177K |
| KELLIE STEWART EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $142K |
| LASHONDA P WILLIAMS EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $133K |
| BARBARA PFAFFLY EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $127K |
| KEVIN DUPONT EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $113K |
| BOB WILKINS EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $98K |
| SARA JOHNSON EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $96K |
| ENITOR WILLIAMS EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $88K |
| BILL HENSON EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $86K |
| CHAUNCEY DELANEY EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $84K |
| STEPHANIE GAMBLE-NECKER EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| TAUNYA R BURNETTE-GREENWOOD EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $77K |
| ADAM FLEEK EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $71K |
| MADELINE IGNASH EIN 57-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| ZYWAVE EIN 04-3670979 NONE | Insurance services; Direct payment from the plan Service code 23 | 10100 INNOVATION DRIVE-STE 300 MILWAUKEE, TN 53266 | $62K |
| JOSHUA LINDEMAN EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| BENEFITS COMPLIANCE SOLUTIONS, LLC NONE | Insurance services; Insurance brokerage commissions and fees; Insurance agents and brokers; Consulting (general); Other services; Direct payment from the plan Service code 16 | 1500 WEST LYNN STREET-STE 103 AUSTIN, TX 78703 | $54K |
| STEPHANIE CRAGHEAD EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| ARMANINO, LLP EIN 94-6214841 NONE | Direct payment from the plan; Accounting (including auditing); Consulting (general); Consulting fees; Other services Service code 10 | PO BOX 206700 DALLAS, TX 75320 | $47K |
| MICHAEL ERASMUS EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| ALLIANCE BERNSTEIN NONE | Investment advisory (plan); Direct payment from the plan; Investment management; Investment management fees paid directly by plan; Insurance brokerage commissions and fees Service code 27 | 800 CONNECTICUT AVE NW WASHINGTON, DC 20006 | $40K |
| ANDREA WHITENIGHT NONE | Direct payment from the plan; Consulting (general); Consulting fees; Other services Service code 16 | 2728 TRAIL OF THE MADRONES AUSTIN, TX 78746 | $31K |
| CHETU, INC. EIN 65-0999101 NONE | Other fees; Direct payment from the plan; Consulting (general); Other services Service code 16 | 1500 CONCORD TERRACE-SUITE 100 SUNRISE, FL 33323 | $29K |
| JUNIOR MONTEIRO EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $24K |
| TRAVELERS INSURANCE COMPANY NONE | Insurance services; Other insurance fees and expenses; Direct payment from the plan; Insurance agents and brokers Service code 22 | 5605 GLENRIDGE DRIVE-SUITE 400 ATLANTA, GA 30342 | $22K |
| AGENCYBLOC NONE | Insurance services; Direct payment from the plan Service code 23 | 115 E 2ND STREET CEDAR FALLS, IA 50613 | $21K |
| JULIET DILL EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $19K |
| METROPOLITAN LIFE INSURANCE EIN 13-5581829 NONE | Direct payment from the plan; Other services; Other fees; Consulting fees Service code 49 | — | $19K |
| CONSTRUCTION EXECUTIVE NONE | Insurance services; Consulting (general); Direct payment from the plan; Other fees; Other services; Consulting fees Service code 16 | 440 FIRST ST NW, STE 200 WASHINGTON, DC 20001 | $18K |
| WELLS FARGO NONE | Other fees; Direct payment from the plan; Trustee (bank, trust company, or similar financial institution); Other services; Investment management Service code 21 | 420 MONTGOMERY STREET SAN FRANCISCO, CA 94163 | $15K |
| QUADIENT LEASING NONE | Direct payment from the plan; Other services; Other fees Service code 49 | 478 WHEELERS FARMS RD MILFORD, CT 06461 | $13K |
| BERNARD HEALTH NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Direct payment from the plan Service code 15 | 2817 WEST END AVENUE,STE. 126-281 NASHVILLE, TN 37203 | $12K |
| PATRIOT BENEFIT SERVICES NONE | Consulting fees; Direct payment from the plan; Consulting (general); Other services; Insurance services Service code 16 | 56 SOUTH STREET-SUITE 250 HOPKINTON, MA 01748 | $12K |
| COMPASS BENEFIT SEPCI, INC. EIN 39-1749728 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan; Insurance services Service code 22 | — | $10K |
| ZOOM NONE | Other fees; Other services; Direct payment from the plan Service code 49 | 55 N ALMADEN BLVD, 6TH FLOOR SAN JOSE, CA 95113 | $10K |
| LAUNCHATX NONE | Other fees; Direct payment from the plan; Other services; Consulting (general) Service code 16 | 7827 WHEEL RIM CIRCLE AUSTIN, TX 78749 | $10K |
| ROBERT MILLER NONE | Insurance services; Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | 4 OWENS WAY SCARBOROUGH, MA 04074 | $8K |
| HUDSPETH BENEFITS GROUP EIN 62-1572362 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance services; Insurance brokerage commissions and fees Service code 22 | PO BOX 75190 BALTIMORE, MD 21275 | $7K |
| LAPIN LAW FIRM EIN 56-2314652 NONE | Consulting fees; Legal; Direct payment from the plan; Other fees Service code 29 | 300 E LOMBARD ST -STE 840 BALTIMORE, MD 21202 | $7K |
| ALISON MORANT NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance services; Insurance agents and brokers Service code 22 | 203 CRYSTAL WAY BELLINGHAM, MA 02019 | $7K |
| COMPLETE MARKETING CONCEPTS NONE | Other fees; Other services; Direct payment from the plan Service code 49 | 8241 264TH ST. E MYWAKKA CITY, FL 34251 | $7K |
| GALLOWAY-CHANDLER-MCKINNEY INS. NONE | Direct payment from the plan; Insurance services; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2320 COMMERCE STREET COLUMBUS, MS 39705 | $5K |
| CLAIRE VIRTUE NONE | Consulting (general); Other services; Direct payment from the plan; Consulting fees Service code 16 | 1610 HARVARD WOODS DRIVE-APT 2702 BRANDON, FL 33511 | $5K |
| IRON MOUNTAIN NONE | Direct payment from the plan; Other services; Other fees Service code 49 | 801 PENNSYLVANIA AVENUE N WASHINGTON, DC 20004 | $5K |
| QUICKBOOKS NONE | Accounting (including auditing); Other services; Direct payment from the plan; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 2700 COAST AVE MOUNTAIN VIEW, CA 94043 | $5K |
| BETHANY TRUMBULL EIN 52-1115752 EMPLOYEE OF TRUST | Direct payment from the plan; Employee (plan) Service code 30 | — | $2K |
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 | 6,468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 346 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,274 | $3.4M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,687 | $568K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,274 | $3.4M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,274 | $3.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $81K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,274 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,274 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.