| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIE INC3 Filed as: PIE, INC. | P.O. BOX 575 BEL AIR, MD 21014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $27K | $37K | 3.56% |
| PIE INC3 | PO BOX 575 BEL AIR, MD 21014 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 2.54% |
| PIE INC3 | PO BOX 575 BEL AIR, MD 21014 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 8.65% |
| PIE INC3 | PO BOX 575 BEL AIR, MD 21014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| PIE INC3 | PO BOX 575 BEL AIR, MD 21014 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.11% |
| PIE INC3 | PO BOX 575 BEL AIR, MD 21014 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 24.68% |
| PIE INC3 | PO BOX 575 BEL AIR, MD 21014 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.99% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 692 | $178K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $43K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 692 | $178K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 692 | $178K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 692 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.