| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | PO BOX 749140 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $204 | $60K | 10.99% |
| MJ INSURANCE3 Filed as: WINSTON FIN. SVCS & VARIOUS AGENTS | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $8K | $39K | 7.18% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 1.74% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.42% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | -$96 | $1K | $1K | 0.19% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS. SVCS. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $242 | $242 | 0.04% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 13230 PAWNEE DRIVE, SUITE 205 OKLAHOMA CITY, OK 73114 | HARTFORD LIFE AND ACCIDENT | $49K | $0 | $49K | 16.02% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | ONE BEACON STREET, SUITE 1700 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $0 | $16K | $16K | 5.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 100 RIALTO PLACE, SUITE 900 MELBOURNE, FL 32901 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 1.90% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 1.47% |
| UNKNOWN3 | UNKNOWN DALLAS, TX 75207 | TELADOC HEALTH, INC. | $5K | $0 | $5K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | PO BOX 749140 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 5.23% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 901 MARQUETTE AVE, SUITE 1800 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $867 | $0 | $867 | 3.11% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVENUE, SUITE 1800 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $460 | $0 | $460 | 1.65% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $0 | $137 | $137 | 0.49% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 5900 NORTH ANDREWS LANE, SUITE 401 FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS | $0 | $92 | $92 | 0.33% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METLIFE LEGAL PLANS | $0 | $22 | $22 | 0.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS. SVCS. | 14285 MIDWAY ROAD, SUITE 100 ADDISON, TX 75001 | METLIFE LEGAL PLANS | $0 | $4 | $4 | 0.01% |
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 | 1,048 | 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) | 1,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC HEALTH, INC. | 542 | $34K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $549K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 974 | $549K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,048 | $306K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,048 | $306K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,048 | $306K |
| Prescription drug | TELADOC HEALTH, INC. | 542 | $34K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,048 | $883K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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.