| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | UNITED HEALTHCARE INSURANCE COMPANY | $195K | — | $195K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $67K | — | $67K | 6.73% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 1.64% |
| IMG5 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $702 | $702 | 0.07% |
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD STE 12000 EL SEGUNDO, CA 902455605 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | — | $37K | 4.05% |
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD STE 12000 ATTN COMMISSION DEPARTMENT EL SEGUNDO, CA 902455605 | METROPOLITAN LIFE INSURANCE COMPANY | $454 | $15K | $16K | 1.76% |
| LPL FINANCIAL CORP3 | PO BOX 509026 ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921509026 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $3K | $90K | 26.49% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $832 | $832 | 0.25% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS.COM INC | DEPT. 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $3K | $3K | 1.11% |
| THOMAS M FALVEY | 1146 BRADFORD DRIVE POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 5.16% |
| B & M BROKERAGE SERVICES LLC | 29 UNION AVENUE 1ST FLOOR MANASQUAN, NJ 08736 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| BRUCE R PETRIE | 2626 REDDINGTON RD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| THOMAS M FALVEY | 1146 BRADFORD DRIVE POINT PLEASANT, NJ 08742 | GENWORTH LIFE INSURANCE COMPANY | $216 | — | $216 | 5.10% |
| B & M BROKERAGE SERVICES LLC | 29 UNION AVENUE 1ST FLOOR MANASQUAN, NJ 08736 | GENWORTH LIFE INSURANCE COMPANY | $210 | — | $210 | 4.96% |
| BRUCE R PETRIE | 2626 REDDINGTON RD HELLERTOWN, PA 18055 | GENWORTH LIFE INSURANCE COMPANY | $210 | — | $210 | 4.96% |
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 | 3,620 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,295 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18 | $662K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 18 | $662K |
| Life insurance(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,674 | $2.0M |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $793K |
| Other(10 contracts, 9 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,674 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,674 | — |
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.