| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 327195579 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $0 | $39K | 11.98% |
| FOUNDATION RISK PARTNERS CORP3 | DBA ACENTRIA 4634 GULFSTARR DR DESTIN, FL 325413715 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.12% |
| THE ENTERPRISE TEAM, INC.3 Filed as: THE ENTERPRISE TEAM INC | PO BOX 195579 WINTER SPRINGS, FL 327195579 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.43% |
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 | 760 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $323K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $323K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $323K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $55K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 651 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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.