| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53K | $53K | 2.89% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INSURANC | AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25K | $25K | 1.34% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S. GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 0.57% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A ALLTRUST INSURAN | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36K | $36K | 2.87% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU | INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 1.31% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 0.57% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A ALLTRUST INSURAN | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | $7K | $74K | 30.81% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU | INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.33% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.60% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A ALLTRUST INSURAN | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.01% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $4K | $34K | 27.91% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU | INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.36% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A ALLTRUST INSURAN | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.02% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD SUITE 2021 OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | — | $38K | 34.17% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $2K | $52K | 51.43% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $415 | — | $415 | 0.41% |
| ALLSTATE BENEFITS/EXPLAIN MY BENEFI3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | U.S. LEGAL SERVICES, INC. | $15K | — | $15K | 19.17% |
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 | 2,139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,220 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,685 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,685 | $2.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,685 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,685 | $1.8M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,685 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,685 | — |
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.