| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRW ASSOCIATES INC3 | 9121 ANSON WAY SUITE 200 RALEIGH, NC 276155857 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $0 | $61K | 16.40% |
| ANT FARM3 Filed as: ANT FARM LLC | 291 HERITAGE WALK WOODSTOCK, GA 301883876 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.35% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 9121 ANSON WAY SUITE 200 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 17.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.00% |
| ALEXANDER BENEFITS CONSULTING5 Filed as: ALEXANDER & COMPANY | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 5510 SIX FORKS ROAD SUITE 260 RALEIGH, NC 27609 | COMMUNITY EYE CARE | $4K | $0 | $4K | 10.00% |
| JRW ASSOCIATES INC3 | 9121 ANSON WAY SUITE 200 RALEIGH, NC 27615 | UNUM INSURANCE COMPANY | $3K | $420 | $4K | 16.90% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $375K |
| Vision | COMMUNITY EYE CARE | 604 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $375K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $173K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $375K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 937 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.