| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVE PO BOX 369 ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $285 | $52 | $337 | 4.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INSURANCE | 56 LIVINGSTON AVE ROSELAND, NJ 07066 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $190 | — | $190 | 7.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | SECURIAN LIFE INSURANCE COMPANY | $17 | $7 | $24 | 5.81% |
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 | 15 | 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) | 15 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 10 | $5K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 15 | $413 |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15 | $7K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 15 | $7K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15 | — |
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."
No prospect flags tripped on this filing.