| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $11K | $38K | 6.21% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.20% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVENUE SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.18% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | 101 S GARLAND AVENUE SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $283 | $291 | 1.97% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STEET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $141 | $41 | $182 | 1.23% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 160665007 | METROPOLITAN LIFE INSURANCE COMPANY | $141 | — | $141 | 0.95% |
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 | 1,665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,748 | $620K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,748 | $620K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,748 | $620K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4 | $15K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,748 | $620K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,748 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,748 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.