| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXT LEVEL INSURANCE AGENCY, LLC3 Filed as: NEXT LEVEL INSURANCE AGENCY,LLC | 5080 SPECTRUM DR STE 700E ADDISON, TX 750014636 | UNITED HEALTHCARE INSURANCE CO | — | $51K | $51K | 2.89% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES, INC. | 8554 KATY FWY STE 100 HOUSTON, TX 770241841 | UNITED HEALTHCARE INSURANCE CO | — | $29K | $29K | 1.61% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FWY STE 100 HOUSTON, TX 770241841 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.14% |
| NEXT LEVEL INSURANCE AGENCY, LLC3 Filed as: NEXT LEVEL INSURANCE AGENCY | 7228 LAKE HURST AVE DALLAS, TX 752305438 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL OCONNELL | — | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.73% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL | MET LIFE SECURITIES INC 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.91% |
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 | 447 | 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) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 155 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 447 | $301K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 447 | $301K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 447 | $301K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 447 | $301K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 447 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.