| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 2.43% |
| USI INSURANCE SERVICES LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| USI INSURANCE SERVICES LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $63K | — | $63K | 10.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.40% |
| USI INSURANCE SERVICES LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $646 | — | $646 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $387 | — | $387 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $314 | — | $314 | 0.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $281 | — | $281 | 0.05% |
| RALPH H KEELER3 Filed as: RALPH P. MOORE | — | METROPOLITAN LIFE INSURANCE COMPANY | $31 | — | $31 | 0.01% |
| USI INSURANCE SERVICES LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $12K | $49K | 10.99% |
| USI INSURANCE SERVICES LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | $11K | $46K | 10.72% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GRP INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $27K | 24.69% |
| USI INSURANCE SERVICES LLC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $200 | $3K | 2.60% |
| USI INSURANCE SERVICES LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 11.33% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | — | AXIS INSURANCE COMPANY | — | $10K | $10K | 20.00% |
| USI INSURANCE SERVICES LLC3 | — | AXIS INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| USI INSURANCE SERVICES LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $606 | $3K | 10.49% |
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 | 1,042 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,571 | $781K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,358 | $107K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $1.1M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,042 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,042 | $431K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,571 | — |
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.