| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICE | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | DELTA DENTAL OF RHODE ISLAND | $21K | $0 | $21K | 4.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF RHODE ISLAND | $7K | $0 | $7K | 1.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $4K | $28K | 6.10% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES, LLC | 500 SILVER SPUR ROAD, SUITE 121 PALOS VERDES ESTATES, CA 90275 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.75% |
| TOTAL INSURANCE SERVICES, INC.3 | 3175 COMMERCIAL AVENUE, SUITE 200 NORTHBROOK, IL 60062 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS. SERVICES | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.76% |
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 | 1,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 1,579 | $532K |
| Vision | VISION SERVICE PLAN | 525 | $75K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 939 | $456K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 939 | $456K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 939 | $456K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 939 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,579 | — |
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.