| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC | 25 SEIR HILL ROAD NORWALK, CT 06850 | BLUE CROSS BLUE SHIELD OF FLORIDA | $189K | $0 | $189K | 5.00% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC | 25 SEIR HILL ROAD NORWALK, CT 06850 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.71% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 8.33% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP | 25 SEIR HILL ROAD NORWALK, CT 06850 | VSP VISION CARE | $1K | $0 | $1K | 5.47% |
| PROFESSIONAL GROUP PLANS INC3 | — | COMPANION LIFE INSURANCE COMPANY | $2K | $920 | $3K | 15.00% |
| BENEFITS PLUS FINANCIAL SERVICES3 Filed as: BENEFITS PLUS FINANCIAL SERVCES | — | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.27% |
| PROFESSIONAL GROUP PLANS INC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $752 | $752 | 5.44% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 195 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 563 | $228K |
| Vision | VSP VISION CARE | 182 | $21K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 563 | $278K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 563 | $242K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 563 | $259K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 563 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.