| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONOVER INSURANCE SERVICES LLC3 Filed as: CONOVER INSURANCE INC | PO BOX 10088 YAKIMA, WA 989091088 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $61 | $17K | 14.88% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 8.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.53% |
| AXIS INSURANCE LLC3 Filed as: AXIS INSURANCE LLC D/B/A | CONOVER INSURANCE PO BOX 90007 BELLEVUE, WA 980099007 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $30 | $1K | 1.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $421 | $421 | 0.38% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $111K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $111K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $111K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $111K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $111K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.