| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTERTAINMENT BENEFITS GROUP, LLC3 | DBA BENEPLACE 19495 BISCAYNE BOULEVARD, SUITE 300 AVENTURA, FL 33180 | METLIFE LEGAL PLANS | $146K | — | $146K | 9.38% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC. | P.O. BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS | — | $8 | $8 | 0.00% |
| STEPHEN CONSTANTS3 | 259 STARLIS PLACE SAINT JOHNS, FL 32259 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $6K | — | $6K | 3.17% |
| GEORGE ABBOTT3 | 2226 EASTLAKE AVE E #42 SEATTLE, WA 981023419 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.82% |
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 | 40,800 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 486 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 41,286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 23,852 | $7.3M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 40,962 | $23.5M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 26,633 | $4.9M |
| Life insurance(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 41,264 | $35.4M |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,015 | $32K |
| Other(5 contracts, 5 carriers) | SECURIAN LIFE INSURANCE COMPANY | 41,264 | $42.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 41,264 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.