| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTRUST AGENCIES INC Filed as: ENTRUST AGENCIES LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $97K | — | $97K | 3.62% |
| ENTRUST AGENCIES INC3 | 22322 GRAND CORNER DR STE 200 KATY, TX 77494 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 15.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 7.94% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 6.26% |
| 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 | $451 | — | $451 | 0.30% |
| ENTRUST AGENCIES INC3 | 22322 GRAND CORNER DR STE 200 KATY, TX 77494 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 25.88% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.21% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.47% |
| 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 | $78 | — | $78 | 0.34% |
| ENTRUST AGENCIES INC Filed as: ENTRUST AGENCIES, LLC | 22322 GRAND CORNER DR STE 200 KATY, TX 774945941 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 7.60% |
| ENTRUST AGENCIES INC3 | 22322 GRAND CORNER DR STE 200 KATY, TX 77494 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 25.31% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $918 | — | $918 | 8.03% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $724 | — | $724 | 6.33% |
| 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 | $47 | — | $47 | 0.41% |
| ENTRUST AGENCIES INC3 | 22322 GRAND CORNER DR SUITE 200 KATY, TX 77494 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 15.40% |
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 | 1,287 | 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) | 1,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 593 | $2.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 593 | $2.7M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 717 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 989 | $149K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 989 | $149K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 989 | $149K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 989 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.