| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $1K | $18K | 2.38% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC D/B/A BENEFIT COMM | 6363 COLLEGE BLVD STE 500 OVERLAND PARK, KS 662111887 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.25% |
| THE CREEL GROUP INC3 Filed as: THE CREEL GROUP, INC. | WOODMEN TOWER OMAHA, NE 68102 | EYEMED VISION CARE | $14K | — | $14K | 9.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY, INC. EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $756K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | 501 U.S. HIGHWAY 22, 2ND FLOOR-WEST BRIDGEWATER, NJ 08807 | $126K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 240188542 | $77K |
| LD&B BENEFITS ADMINISTRATORS EIN 54-0784757 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 205-C SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | $21K |
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 | 3,062 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 3,062 | $77K |
| Vision | EYEMED VISION CARE | 2,270 | $152K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,989 | $771K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,989 | $771K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,989 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,062 | — |
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."
No prospect flags tripped on this filing.