| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH5 | P. O. BOX 223881 PITTSBURGH, PA 15250 | HCC LIFE INSURANCE COMPANY | — | $44K | $44K | 10.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | 400 INTERSTATE NORTH PARKWAY SUITE 300 ATLANTA, GA 30339 | HCC LIFE INSURANCE COMPANY | $41K | — | $41K | 9.97% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC DBA INTREPID | 400 INTERSTATE N PKWY SE STE 300 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $44 | $6K | 6.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES, LLC | 501 OFFICE CENTER DRIVE STE 215 FT WASHINGTON, PA 19034 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $900 | — | $900 | 9.94% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 65 | $407K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $99K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 162 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $99K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $99K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.