| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $5K | $18K | 5.74% |
| WELLS FARGO INSURANCE SERVICES3 | 6100 FAIRVIEW ROAD, SUITE 800 CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.51% |
| PROFESSIONAL INSURANCE CONCEPTS3 | 7922 WESTGLEN DRIVE, SUITE 100 HOUSTON, TX 77063 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| WELLS FARGO INSURANCE SERVICES3 | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 75254 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| WELLS FARGO INSURANCE SERVICES3 | 301 SOUTH COLLEGE STREET, CHARLOTTE, NC 28202 | ARAG SERVICES | $654 | — | $654 | 10.01% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $309K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 866 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 392 | $169K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 392 | $169K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 543 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 866 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.