| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 138 WASHAM RD MOORESVILLE, NC 281179280 | METROPOLITAN LIFE INSURANCE COMPANY | — | $202K | $202K | 1.95% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE COMPANY | — | $63K | $63K | 1.87% |
| TERRY HAVENS3 | PO BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $2K | — | $2K | 0.12% |
| FLEXVISION - MD3 | 15400 CALHOUN DR, STE 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $1K | — | $1K | 0.06% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 138 WASHAM RD MOORESVILLE, NC 281179280 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.99% |
| TERRY HAVENS3 | PO BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $7 | — | $7 | 0.07% |
| FLEXVISION - MD3 | 15400 CALHOUN DR, STE 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $4 | — | $4 | 0.04% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 138 WASHAM RD MOORESVILLE, NC 281179280 | METROPOLITAN LIFE INSURANCE COMPANY | — | $158 | $158 | 1.94% |
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 | 38,699 | 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) | 38,699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF TENNESSEE | 15,824 | $106.4M |
| Vision(2 contracts) | EYEMED VISION CARE | 57,540 | $1.7M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 61,227 | $10.5M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 8,902 | $3.4M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 61,227 | $11.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61,227 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.