| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK & INSURANCE CONSULTING SERVICE Filed as: RISK AND INSURANCE CONSULTING | 5500 LILBURN STONE MOUNTAIN RD STEB STONE MOUNTAIN, GA 30087 | TOKIO MARINE HCC - STOP LOSS GROUP | $6K | $0 | $6K | 1.67% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN, MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | TOKIO MARINE HCC - STOP LOSS GROUP | $1K | $0 | $1K | 0.33% |
| TIA GROUP, LLC3 Filed as: TIA GROUP LLC | 8000 W INTERSTATE 10 STE 950 SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 6.96% |
| LOCKTON COMPANIES, LLC3 Filed as: BOWEN MICLETTE & BRITT INSURANCE | 1111 NORTH LOOP W STE 400 HOUSTON, TX 77008 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $986 | $5K | 2.93% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC - STOP LOSS GROUP | 161 | $341K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $186K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $186K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $186K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $186K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $186K |
| Prescription drug | TOKIO MARINE HCC - STOP LOSS GROUP | 161 | $341K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.