| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.72% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | $0 | $39K | 14.99% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | VISION SERVICE PLAN | $8K | $0 | $8K | 9.89% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $403 | $0 | $403 | 0.49% |
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 | 700 | 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) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $331K |
| Vision | VISION SERVICE PLAN | 642 | $82K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,644 | $263K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,644 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,644 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.