| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 7.04% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $57 | $7K | 5.71% |
| AVANTAX INSURANCE SERVICES, INC3 | 12750 MERIT DRIVE SUITE 1200 DALLAS, TX 75251 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| REED HEADLEY SCHNITTKER3 Filed as: REED SCHNITTKER | 2400 DALLAS PARKWAY SUITE 260 PLANO, TX 75093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| AVANTAX INSURANCE SERVICES, INC3 Filed as: AVANTAX INSURANCE SERVICES INC | 12750 MERIT DRIVE SUITE 1200 DALLAS, TX 75251 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMIN AMERICA, INC. FSA ADMINISTRATOR | Claims processing Service code 12 | 1720 WINDWARD CONCOARSE SUITE 290 ALPHARETTA, GA 30005 | $3K |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $122K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $122K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $122K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $34K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.