| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTRUST AGENCIES INC Filed as: ENTRUST AGENCIES LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $88K | — | $88K | 1.90% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $60K | — | $60K | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 5.46% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 4.36% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 3.45% |
| ENTRUST AGENCIES INC3 | 22322 GRAND CORNER DR STE 200 KATY, TX 77494 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $184 | $3K | 1.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $467 | $4K | 8.17% |
| ENTRUST AGENCIES INC3 | 22322 GRAND CORNER DR STE 200 KATY, TX 77494 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $379 | $2K | 4.40% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.53% |
| HOME OFFICE TPA PAYS COMMISSION | 5900 O ST LINCOLN, NE 68510 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 14.98% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60405 | AMERITAS LIFE INSURANCE CORP. | $710 | — | $710 | 2.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $304 | $2K | 9.64% |
| ENTRUST AGENCIES INC3 | 22322 GRAND CORNER DR STE 200 KATY, TX 77494 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $789 | $201 | $990 | 4.48% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $789 | $789 | 3.57% |
| GIS OF ILLINOIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE LEGAL PLANS | $994 | — | $994 | 10.48% |
| ENTRUST AGENCIES INC Filed as: ENTRUST AGENCIES LLC | 22322 GRAND CORNER DRIVE, 200 KATY, TX 77494 | METLIFE LEGAL PLANS | $846 | — | $846 | 8.92% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $653 | $653 | 6.89% |
| GIS BENEFITS INC Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $490 | — | $490 | 5.17% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | 980 WASHINGTON ST, SUITE 325 DEDHAM, MA 02026 | METLIFE LEGAL PLANS | $445 | — | $445 | 4.69% |
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 | 798 | 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) | 798 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 553 | $4.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 553 | $4.6M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 646 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $297K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $518K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $297K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 798 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.