| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTZDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $12K | $36K | 6.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 8.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSRUANCE SERVICES INC | 150 S WARNER RD SUITE 460 KING OF PRUSSIA, PA 194062843 | METROPOLITAN LIFE INSURANCE COMPANY | $192 | $31 | $223 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | -$201 | — | -$201 | -0.05% |
| TRIBAL EDGE LLC3 | PO BOX 12617 JACKSON, MS 39236 | VISION SERVICE PLAN | $2K | — | $2K | 3.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | — | $2K | 3.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE INCE | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $3 | — | $3 | 0.01% |
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 | 835 | 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) | 835 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 477 | $58K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 835 | $382K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 835 | $382K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 499 | $516K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 835 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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.