| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | AMERITAS LIFE INSURANCE CORPORATION | $8K | — | $8K | 7.94% |
| THE NITSCHE GROUP INC3 Filed as: NITSCHE AND FERGUSON INS. AGENCY | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 30.11% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $395 | $395 | 1.02% |
| THE NITSCHE GROUP INC3 Filed as: THE NITSCHE GROUP, INC. | 143 EAST AUSTIN STREET GIDDINGS, TX 78942 | EYEMED | $2K | — | $2K | 9.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED | $158 | — | $158 | 0.84% |
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 | 635 | 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) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 250 | $99K |
| Vision | EYEMED | 222 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 635 | $39K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 635 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.