| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE PLANS AND INSURANCE CONS3 | 3102 CAMPFIRE CT JAMESTOWN, NC 27282 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $4K | $31K | 12.34% |
| EMPLOYEE PLANS AND INSURANCE CONS3 | 3102 CAMPFIRE CT JAMESTOWN, NC 27282 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 19.57% |
| ROBERT M MCGALLIARD3 Filed as: ROBERT M MCGALLUARD | 3102 CAMPFIRE CT JAMESTOWN, NC 27282 | METROPOLITAN LIFE INSURANCE COMPANY | $524 | — | $524 | 0.33% |
| EMPLOYEE PLANS AND INSURANCE CONS3 | 3102 CAMPFIRE CT JAMESTOWN, NC 27282 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $183 | $5K | 15.40% |
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 | 644 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 644 | $255K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 644 | $255K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $34K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 644 | $255K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.