| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY STREET NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 1.16% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $32 | $2K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY STREET NEW YORK, NY 10281 | GUARDIAN | $16K | — | $16K | 4.20% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | GUARDIAN | $9K | — | $9K | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 200 LIBERTY STREET NEW YORK, NY 10281 | VISION SERVICE PLAN | $879 | — | $879 | 1.50% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $660 | — | $660 | 1.12% |
| BENEFIT ASSOCIATES INC.3 Filed as: BENEFIT ASSOCIATES | 1008 W 8TH AVNEUE KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 3.04% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.31% |
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 | 998 | 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) | 998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,161 | $5.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,425 | $442K |
| Vision | VISION SERVICE PLAN | 494 | $59K |
| Life insurance | GUARDIAN | 998 | $383K |
| Short-term disability | GUARDIAN | 998 | $383K |
| Long-term disability | GUARDIAN | 998 | $383K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,161 | $5.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 998 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,425 | — |
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.