| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVS NATIONAL INC | PO BOX 203066 DALLAS, TX 753203066 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 10.03% |
| MBL ADVISORS INC3 | 1017 E MOREHEAD ST STE 100 CHARLOTTE, NC 282042869 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE KING OF PRUSSIA, PA 194061225 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL | PO BOX 203508 DALLAS, TX 753203510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 16.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL | PO BOX 203508 DALLAS, TX 753203510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 NONE | Contract Administrator Service code 13 | — | $82K |
| CIGNA EIN 59-1031071 NONE | Insurance services Service code 23 | — | $36K |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 663 | $179K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 663 | $179K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 663 | $179K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $75K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 663 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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."
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.