| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 37064 | METROPOLITAN LIFE INSURANCE COMPANY | $149K | — | $149K | 5.91% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL/METLIFE | SECURITIES INC 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50K | $50K | 1.97% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$3K | -$3K | -0.12% |
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 370644850 | KAISER FOUNDATION HEALTH PLAN INC | $56K | — | $56K | 3.46% |
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 370644850 | KAISER FOUNDATION HEALTH PLAN INC | $59K | — | $59K | 4.69% |
| DICK, RAYMOND J3 | 44824 CEDAR AVE LANCASTER, CA 93534 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | — | $37K | 3.67% |
| HORIZON HEALTHCARE SERVICES, INC.3 Filed as: HORIZON HEALTHCARE SERVICES INC | DBA HORIZON BLUE CROSS BLUE SHIELD 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 1.20% |
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 370644850 | VISION SERVICE PLAN | $3K | — | $3K | 2.58% |
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 | 1,418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 234 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,206 | $2.5M |
| Vision | VISION SERVICE PLAN | 1,026 | $116K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,206 | $2.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,206 | $2.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,206 | $2.5M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 992 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,206 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,206 | — |
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.