| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO INC. | 56 LIVINGSTON AVENUE SUITE 230 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.16% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GRP | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. AGENCY OF VA INC | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $476 | $476 | 1.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO INC. | 56 LIVINGSTON AVENUE SUITE 230 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.56% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GRP | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. AGENCY OF VA INC | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $526 | $526 | 1.46% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO INC. | 56 LIVINGSTON AVENUE SUITE 230 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.49% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY AN ALERA GRP | 155 PINELAWN ROAD SUITE 120 SOUTH MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $774 | $774 | 5.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. AGENCY OF VA INC | 11220 ASSET LOOP SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $159 | $159 | 1.03% |
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 | 1,007 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,007 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 692 | $36K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,007 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,007 | — |
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.