| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $98 | $16K | 8.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA INC | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $99 | $10K | 5.74% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2 | $7K | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA INC | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA, LP | 125 E ELM ST STE 201 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF PENNSYLVANIA | $12K | $0 | $12K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DBA ALPHA BENEFITS | 125 E ELM STREET #210 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE | $2K | $0 | $2K | 8.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN INSURANCE SERVICES, INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 17.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $917 | $0 | $917 | 7.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNSYLVANIA | 125 EAST ELM ST #210 CONSHOHOCKEN, PA 19428 | LEGALEASE | $1K | $0 | $1K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | -$49K |
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 | 154 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 154 | $13K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 400 | $123K |
| Vision | EYEMED VISION CARE | 382 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $180K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $180K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $180K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.