| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DRIVE, SUITE 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $0 | $35K | 16.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $183 | $9K | 4.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 8.79% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN, INC. | PO BOX 1060 GETTYSBURG, PA 17325 | ALLSTATE INSURANCE COMPANY | $621 | $0 | $621 | 21.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | ALLSTATE INSURANCE COMPANY | $420 | $0 | $420 | 14.41% |
| MICKEY J GEBO3 Filed as: MICKEY JOHN GEBO | 480 LOUD ROAD FAIRPORT, NY 14450 | ALLSTATE INSURANCE COMPANY | $50 | $0 | $50 | 1.72% |
| BRENT LUCY3 | 201 DEXTER STREET WEST SUITE 103 CHESAPEAKE, VA 23324 | ALLSTATE INSURANCE COMPANY | $1 | $0 | $1 | 0.03% |
| GLANDON INSURANCE AGENCY INC3 Filed as: GLANDON INSURANCE AGENCY, INC. | 1100 LASKIN ROAD, SUITE 200 VIRGINIA BEACH, VA 23451 | ALLSTATE INSURANCE COMPANY | $1 | $0 | $1 | 0.03% |
| ROY MANGUM3 | 7018 ELLINGTON FARM LANE MINT HILL, NC 28227 | ALLSTATE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $187K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $207K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $207K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $394K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $187K |
| Prescription drug | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $187K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.