| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | — | $38K | $38K | 1.32% |
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 370644850 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 0.91% |
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 370644850 | KAISER FOUNDATION HEALTH PLAN INC | $58K | — | $58K | 3.14% |
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 370644850 | KAISER FOUNDATION HEALTH PLAN INC | $62K | — | $62K | 5.02% |
| RAYMOND DICK3 | 108 VALLEY CREEK CT FRANKLIN, TN 370644850 | VISION SERVICE PLAN | $3K | — | $3K | 2.21% |
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 | 1,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 253 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,491 | $2.9M |
| Vision | VISION SERVICE PLAN | 1,142 | $129K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,491 | $2.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,491 | $2.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,491 | $2.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,491 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,491 | — |
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."
No prospect flags tripped on this filing.