| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD, SUITE 100 WEST HARTFORD, CT 06107 | METROPOLITAN GENERAL INSURANCE COMPANY | $29K | $387 | $30K | 8.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN GENERAL INSURANCE COMPANY | $21K | $321 | $21K | 6.33% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $8K | $8K | 2.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2K | $2K | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $987 | $987 | 0.29% |
| LOCKTON COMPANIES, LLC3 | 6500 CHIPPEWA STREET, FLOOR 3 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $46 | $46 | 0.01% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $4 | $4 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | DELTA DENTAL INSURANCE COMPANY | $22K | $0 | $22K | 8.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD CHICAGO, IL 60604 | DELTA DENTAL INSURANCE COMPANY | $5K | $0 | $5K | 1.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 12.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN GENERAL INSURANCE COMPANY | $375 | $0 | $375 | 4.36% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA ROAD, SUITE 120 COLUMBIA, SC 29221 | TRUSTMARK INSURANCE COMPANY | $504 | $0 | $504 | 8.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 3201 BEECHLEAF COURT, SUITE 200 RALEIGH, NC 27604 | TRUSTMARK INSURANCE COMPANY | $504 | $0 | $504 | 8.85% |
| UNKNOWN3 | UNKNOWN ROSWELL, GA 30076 | TELADOC HEALTH, INC. | $104 | $0 | $104 | 14.99% |
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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 474 | $275K |
| Vision | METROPOLITAN GENERAL INSURANCE COMPANY | 469 | $338K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN GENERAL INSURANCE COMPANY | 469 | $343K |
| Short-term disability | METROPOLITAN GENERAL INSURANCE COMPANY | 469 | $338K |
| Long-term disability | METROPOLITAN GENERAL INSURANCE COMPANY | 469 | $338K |
| Other(3 contracts, 2 carriers) | METROPOLITAN GENERAL INSURANCE COMPANY | 469 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.