| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL CUTRIGHT | 341 S. JEFFERSON STREET NAPA, CA 945594516 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 5.13% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 2502 N. ROCKY POINT DR, STE 310 TAMPA, FL 336071421 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $305 | $2K | 0.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UA LOCAL 343 EIN 94-0925634 NONE | Direct payment from the plan; Other services Service code 49 | — | $105K |
| RYAN MCCALL EIN 94-3203548 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $85K |
| CALVIN GIN EIN 94-3203548 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $81K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $72K |
| PAULA HARRIS EIN 94-3203548 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| NWPS EIN 91-2090931 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $37K |
| KRAW LAW GROUP, APC EIN 32-0465891 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| HEATHER CLANTON NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 3338 GREENVIEW DRIVE EL DORADO, CA 95762 | $19K |
| VERUS ADVISORY, INC. EIN 91-1320111 NONE | Consulting (pension); Investment advisory (plan); Direct payment from the plan Service code 17 | — | $19K |
| PACE SOFTWARE SYSTEMS EIN 94-2897992 NONE | Direct payment from the plan; Other services Service code 49 | — | $8K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $6K |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 25 | $65K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,415 | $621K |
| Vision | VISION SERVICE PLAN | 358 | $66K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,415 | $621K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,415 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,415 | — |
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.