| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | — | METLIFE | $33K | $34K | $68K | 13.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METLIFE | $33K | -$312 | $33K | 6.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METLIFE | $19K | $60 | $19K | 3.72% |
| USI INSURANCE SERVICES LLC3 | — | METLIFE | $5K | $2K | $6K | 2.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $2K | $60 | $2K | 0.62% |
| USI INSURANCE SERVICES LLC3 | — | METLIFE | $3K | $419 | $4K | 5.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $2K | $60 | $2K | 2.57% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | — | METLIFE | $7K | $2K | $9K | 14.94% |
| USI INSURANCE SERVICES LLC3 | — | METLIFE | $2K | $29 | $3K | 4.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $30 | $59 | $89 | 0.15% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | — | METLIFE | $7K | $4K | $11K | 18.63% |
| USI INSURANCE SERVICES LLC3 | — | METLIFE | $3K | $82 | $3K | 4.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $2K | $60 | $2K | 3.39% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | — | METLIFE | $5K | $2K | $7K | 19.22% |
| USI INSURANCE SERVICES LLC3 | — | METLIFE | $2K | $77 | $2K | 5.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | — | METLIFE | $1K | $60 | $1K | 3.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STERLING ADMINISTRATION EIN 84-1637046 TPA/FSA | Contract Administrator Service code 13 | — | $7K |
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 | 1,133 | 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) | 1,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METLIFE | 248 | $157K |
| Dental | METLIFE | 540 | $305K |
| Vision | METLIFE | 475 | $66K |
| Life insurance | METLIFE | 1,038 | $513K |
| Short-term disability | METLIFE | 1,038 | $513K |
| Long-term disability | METLIFE | 1,038 | $513K |
| Other(2 contracts, 2 carriers) | METLIFE | 1,038 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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.