| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS, INC. | PO BOX 34315 SEATTLE, WA 00000 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 5.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., STE. 400 SADDLE BROOK, NJ 00000 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 740659 LOS ANGELES, CA 00000 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 21.76% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS, INC. | PO BOX 34315 SEATTLE, WA 00000 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., STE. 400 SADDLE BROOK, NJ 00000 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 740659 LOS ANGELES, CA 00000 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 21.21% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS, INC. | PO BOX 34315 SEATTLE, WA 00000 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE., STE. 400 SADDLE BROOK, NJ 00000 | METROPOLITAN LIFE INSURANCE COMPANY | $549 | $0 | $549 | 1.33% |
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 | 1,153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,153 | $499K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,153 | $499K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,153 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,153 | — |
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.