| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21K | $21K | 2.51% |
| BSC AGENCY LLC5 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1 PPG PL STE 1000 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | — | $48 | $48 | 0.01% |
| JERRY MANNING3 | 167 N GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | — | $35K | 31.09% |
| KURT R BOGSETH3 Filed as: KURT BOGSETH LLC DBA ECHELON WEALTH | 1245 JORDAN CREEK PKWY STE 200 WEST DES MOINES, IA 50266 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 18.65% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS, ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 12.43% |
| KURT R BOGSETH3 | 1245 JORDAN CREEK PKWY SUITE 200 WEST DES MOINES, IA 50266 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.26% |
| KENNETH C YARBROUGH3 | 9150 OLD SOUTHWICK PASS ALPHARETTA, GA 30022 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.23% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DRISCOLL & COMPANY INC | 5050 N 40TH STREET SUITE 350 PHOENIX, AZ 85018 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | $497 | $497 | 0.86% |
| PEACHTREE PLANNING OF GEORGIA3 Filed as: THE GUARDIAN LIFE INSURANCE COMPANY | 10 HUDSON YARDS NEW YORK, NY 10001 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | $429 | $429 | 0.75% |
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 | 1,598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO OF NY | 2,469 | $200K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,225 | $937K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,225 | $823K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,225 | $881K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,332 | $828K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,332 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.