| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $13K | $56K | 6.70% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $8K | $20K | 2.46% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | $0 | $46K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8777 N GAINEY DRIVE, SUITE 260 SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $23K | $23K | 5.00% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | UNUM INSURANCE COMPANY | $58K | $0 | $58K | 15.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM INSURANCE COMPANY | $15K | $5K | $20K | 5.22% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 0.59% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 0.32% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.07% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $723 | $0 | $723 | 0.46% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| INTERMEDIARY SOLUTIONS COMPANY4 | 5 SAWGRASS COURT FRISCO, TX 75034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 6.00% |
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 | 1,449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,973 | $831K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 946 | $104K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,451 | $614K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,451 | $614K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,451 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,973 | — |
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.