| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS AGENC | 1 ADP BOULEVARD ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 13.42% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $10K | 8.41% |
| CATTO & CATTO BENEFITS GROUP LLP3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $5K | — | $5K | 3.90% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | — | BLUE CROSS BLUE SHIELD OF TEXAS | $3K | — | $3K | 2.20% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS AGENC | 1 ADP BOULEVARD ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $431 | $4K | 22.98% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $969 | $757 | $2K | 9.21% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS AGENC | 1 ADP BOULEVARD ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $410 | $4K | 22.48% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $911 | $718 | $2K | 9.03% |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 6 | $116K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 174 | $118K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 174 | $118K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $136K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 174 | $118K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 174 | $118K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.