| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $168K | $172K | $340K | 6.36% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | $89K | $156K | 7.56% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SRVCS, INC. | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $72K | — | $72K | 7.00% |
| BENE RE LLC3 | 5217 MONROE ST SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $62K | $62K | 6.00% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $6K | $13K | 5.51% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | — | $3K | 3.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SRVS, INC. | PO BOX 749140 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | — | $3K | 3.94% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | — | $3K | 3.67% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $562 | $562 | 0.69% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 5775-D GLENRIDGE DRIVE SUITE 350 ATLANTA, GA 30328 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $98 | $98 | 0.12% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 5900 N. ANDREWS LANE SUITE 401 FORT LAUDERDALE, FL 33309 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $81 | $81 | 0.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS SERV. | 14285 MIDWAY RD, STE 100 ADDISON, TX 750013619 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $27 | $27 | 0.03% |
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 | 16,947 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,247 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 35,182 | $5.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 14,481 | $2.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 35,182 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,182 | — |
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.