| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOME OFFICE TPA PAYS COMMISSION3 | 5900 O STREET LINCOLN, NE 68510 | AMERITAS LIFE INSURANCE GROUP | $21K | $0 | $21K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 3520 THOMASVILLE ROAD, SUITE 500 TALLAHASSEE, FL 32309 | AMERITAS LIFE INSURANCE GROUP | $0 | $3K | $3K | 1.86% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | AMERITAS LIFE INSURANCE GROUP | $0 | $1K | $1K | 1.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 25.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $301 | $301 | 1.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 3201 CHERRY RIDGE STREET SUITE D405 SAN ANTONIO, TX 78230 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $207 | $207 | 1.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 6707 GESSNER ROAD HOUSTON, TX 77040 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $198 | $198 | 0.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TEXAS, INC. | 5850 GRANITE PARKWAY, SUTIE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $86 | $86 | 0.42% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE GROUP | 402 | $138K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 402 | $138K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $20K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.