| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFITS GROUP, INC.3 | PO BOX 530 SPARKS, MD 21152 | AMERICAN UNITED LIFE INSURANCE COMPANY | $61K | $31K | $92K | 15.23% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN SUITE 750 BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | $60K | $0 | $60K | 9.85% |
| CYPRESS BENEFITS GROUP, INC.3 | PO BOX 530 SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.68% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $490 | $490 | 0.27% |
| CYPRESS BENEFITS GROUP, INC.3 | PO BOX 530 SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.39% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $138 | $138 | 0.31% |
| UNKNOWN3 | UNKNOWN NORTH LITTLE ROCK, AR 72117 | FRESHBENIES | $3K | $0 | $3K | 9.67% |
| CYPRESS BENEFITS GROUP, INC.3 | PO BOX 530 SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.47% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $66 | $66 | 0.37% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 552 | $180K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 552 | $180K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 526 | $604K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 526 | $604K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 526 | $604K |
| Other(4 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 526 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.