| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECHELON GROUP INC3 Filed as: ECHELON ADVISORS LLC | 1613 S CAPITAL OF TEXAS HWY STE 205 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $4K | $22K | 13.10% |
| ECHELON GROUP INC3 Filed as: ECHELON ADVISORS LLC | 2224 WALSH TARLTON LN STE 220 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $403 | $658 | $1K | 60.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATORS EIN 54-1419753 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 707 S JEFFERSON ST 5TH FL ROANOKE, VA 24016 | $108K |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 10 | $2K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $167K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $167K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $167K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $167K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.