| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | METROPOLITAN LIFE INSURANCE COMPANY | $249K | $524 | $249K | 11.62% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY | 5 COWBOYS WAY, SUITE 300-1 FRISCO, TX 75034 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $55K | $55K | 2.56% |
| MJ INSURANCE3 | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 10.88% |
| MJ INSURANCE3 | 571 MONON BOULEVARD, SUITE 400 CARMEL, IN 46032 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $7K | $0 | $7K | 16.05% |
| ENTERTAINMENT BENEFITS GROUP, LLC3 | 19495 BISCAYNE BOULEVARD, SUITE 300 AVENTURA, FL 33180 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $343 | $0 | $343 | 0.82% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | PO BOX 203550 AUSTIN, TX 78720 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $260 | $260 | 0.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | PO BOX 8500, S-6110 PHILADELPHIA, PA 19178 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $39 | $39 | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 730054 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3 | $3 | — |
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 | 1,924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 208 | $913K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,837 | $129K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,805 | $2.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,805 | $2.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,805 | $2.1M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 208 | $913K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,805 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,805 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.