| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP INC | 8753 E BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $65 | $5K | 2.70% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 13030 PIERCE STREET SUITE 300 OMAHA, NE 68144 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.20% |
| JOHN CALVIN OLIVER IV INS AGY INC3 Filed as: JOHN OLIVER | PO BOX 300729 AUSTIN, TX 78703 | METROPOLITAN LIFE INSURANCE COMPANY | $919 | $0 | $919 | 0.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 90 DEGREE BENEFITS EIN 26-1569907 TPA/TELEDOC/FSA ADMIN | Claims processing Service code 12 | — | $83K |
| FAIR PRICE BROKER | Insurance agents and brokers Service code 22 | 11601 WEST HWY 290 SUITE A101,PMB 353 AUSTIN, TX 78737 | $74K |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $201K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $201K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $201K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $201K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 183 | $397K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.