| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | — | HARVARD PILGRIM HEALTH CARE | $127K | — | $127K | 4.16% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | — | HARVARD PILGRIM HEALTH CARE | $27K | — | $27K | 4.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM ST STE 300 C/O UNITED BENEFIT SERVICES DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $2K | $28K | 11.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $5K | $22K | 8.64% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 6.58% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | — | HARVARD PILGRIM HEALTH CARE | $9K | — | $9K | 4.15% |
| HPHC INSURANCE AGENCY, INC. Filed as: HPHC INSURANCE AGENCY, INC | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS | 181 WELLS AVE. NEWTON, MA 02459 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.09% |
| HOME OFFICE TPA PAYS COMMISSION | 475 FALLBROOK BLVD LINCOLN, NE 68251 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 14.98% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60405 | AMERITAS LIFE INSURANCE CORP. | — | $951 | $951 | 4.11% |
| GIS BENEFITS INC Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $746 | — | $746 | 11.02% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON ST, SUITE 325 DEDHAM, MA 02026 | METLIFE LEGAL PLANS | $677 | — | $677 | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS Filed as: BOON-CHAPMAN BENEFIT | PO BOX 9201, BLDG I, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $347 | $347 | 5.13% |
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 | 550 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 249 | $186K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 74 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 64 | $251K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 64 | $251K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 64 | $251K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,300 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.