| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 144 HEATHLAND LN MOORESVILLE, NC 281177107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35K | $35K | 0.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.03% |
| BRANDON SCOTT BRICKWEG3 | 138 WASHAM RD MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE COMPANY | — | $31K | $31K | 0.93% |
| BRANDON SCOTT BRICKWEG3 | 144 HEATHLAND LANE MOORESVILLE, NC 28117 | AETNA LIFE INSURANCE COMPANY | — | $26K | $26K | 0.79% |
| 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 | 144 HEATHLAND LN MOORESVILLE, NC 281177107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $686 | $686 | 0.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $125 | $125 | 0.07% |
| TERRY HAVENS3 | PO BOX 22318 LEXINGTON, KY 40522 | EYEMED VISION CARE | $8 | — | $8 | 0.08% |
| FLEXVISION - MD3 | 15400 CALHOUN DR, STE 125 ROCKVILLE, MD 20855 | EYEMED VISION CARE | $4 | — | $4 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $52 | $52 | 0.60% |
| BRANDON PENKO3 Filed as: BRANDON BRICKWEG | 144 HEATHLAND LN MOORESVILLE, NC 281177107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.39% |
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 | 35,747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 220 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 35,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $1.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $1.5M |
| Vision(2 contracts) | EYEMED VISION CARE | 56,754 | $1.7M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 55,885 | $10.7M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 8,506 | $3.3M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 55,885 | $11.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56,754 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.